hegemony Posted July 28, 2019 Author Share Posted July 28, 2019 33 minutes ago, PotO said: Damned you, Hege! You convinced me again!!! I'm going to App the second it launches. Are you sure your last name isn't Mattel? You sure make me accumulate a helluva lot of plastic. you need the UB travel rewards card... https://www.unionbank.com/personal-banking/loans-lines-credit/credit-cards/index.jsp Quote Link to post Share on other sites
PotO Posted July 28, 2019 Share Posted July 28, 2019 33 minutes ago, hegemony said: you need the UB travel rewards card... https://www.unionbank.com/personal-banking/loans-lines-credit/credit-cards/index.jsp Almost, Hege, almost. 😂 Even you can't get me to app a card with an AF. Then I saw their other cards are geofenced. MUFG sure sounds a helluva lot like Mutha Fooking Goofy Union Bank to me. Quote Link to post Share on other sites
hegemony Posted July 28, 2019 Author Share Posted July 28, 2019 56 minutes ago, PotO said: Almost, Hege, almost. 😂 Even you can't get me to app a card with an AF. Then I saw their other cards are geofenced. MUFG sure sounds a helluva lot like Mutha Fooking Goofy Union Bank to me. 0 AF for a year... SUB plus 3x back on 8k in travel then close. Quote Link to post Share on other sites
PotO Posted July 28, 2019 Share Posted July 28, 2019 40 minutes ago, hegemony said: 0 AF for a year... SUB plus 3x back on 8k in travel then close. Ok, tell me more about their approval criteria. Do they like seeing new accounts? Credit pimps? Request docs? Quote Link to post Share on other sites
hegemony Posted July 28, 2019 Author Share Posted July 28, 2019 36 minutes ago, PotO said: Ok, tell me more about their approval criteria. Do they like seeing new accounts? Credit pimps? Request docs? it was instant, online about 3 beers ago. hardest part was the set of ID verification questions https://creditboards.com/forums/index.php?/topic/619203-dumbest-challenge-question-for-a-credit-pimp/ Quote Link to post Share on other sites
PotO Posted July 28, 2019 Share Posted July 28, 2019 38 minutes ago, hegemony said: it was instant, online about 3 beers ago. hardest part was the set of ID verification questions https://creditboards.com/forums/index.php?/topic/619203-dumbest-challenge-question-for-a-credit-pimp/ How many new accounts you have -- within last year? Quote Link to post Share on other sites
hegemony Posted July 28, 2019 Author Share Posted July 28, 2019 40 minutes ago, PotO said: How many new accounts you have -- within last year? 3 if you include july 2018 approvals Quote Link to post Share on other sites
PotO Posted July 28, 2019 Share Posted July 28, 2019 1 hour ago, hegemony said: 3 if you include july 2018 approvals Just tried. No challenge questions. No instant decision. No credit pulls. Not going to deal with whiny little bitch lenders. Just froze everything to prevent the hit. My guess is they get the challenge questions from Innovis and I have that frozen for a long time now. Quote Link to post Share on other sites
hegemony Posted August 2, 2019 Author Share Posted August 2, 2019 terms available... Apple Card Customer Agreement PDF Quote Link to post Share on other sites
hegemony Posted August 2, 2019 Author Share Posted August 2, 2019 includes arbitration... Quote ACKNOWLEDGMENT OF ARBITRATIONCredit is being extended to you and you are being provided access to and use of your Account on the basis of the inclusion of the following arbitration provision. By accepting this Agreement or using your Account, unless you reject arbitration as provided below, you acknowledge that YOU ARE GIVING UP THE RIGHT TO LITIGATE CLAIMS (AS DEFINED BELOW) AND THE RIGHT TO INITIATE OR You hereby knowingly and voluntarily PARTICIPATE IN A CLASS ACTION.WAIVE THE RIGHT TO BE HEARD IN COURT OR HAVE A on all Claims subject to this Agreement. You further acknowledge that you have read this arbitration provision carefully, JURY TRIALagree to its terms, and are entering into this Agreement voluntarily and not in reliance on any promises or representations whatsoever except those contained in this Agreement.HOW TO REJECT THIS ARBITRATION PROVISIONYOU MAY REJECT THIS ARBITRATION PROVISION BY CONTACTING US USING MESSAGES, CALLING US, OR WRITING TO US, AND STATING THE FOLLOWING: (I) YOUR NAME; (II) THE EMAIL ADDRESS ASSOCIATED WITH YOUR ACCOUNT; (III) THE ADDRESS ASSOCIATED WITH YOUR ACCOUNT; AND (IV) THAT YOU ARE EXERCISING YOUR RIGHT TO REJECT THIS ARBITRATION PROVISION (A "REJECTION NOTICE"). YOUR REJECTION NOTICE MUST BE RECEIVED WITHIN 90 DAYS AFTER THE OPENING OF YOUR ACCOUNT.IF YOUR REJECTION NOTICE COMPLIES WITH THESE REQUIREMENTS, THIS ARBITRATION PROVISION WILL NOT APPLY TO YOU, EXCEPT FOR ANY CLAIMS SUBJECT TO PENDING LITIGATION OR ARBITRATION AT THE TIME YOU SEND YOUR REJECTION NOTICE. ANY REJECTION NOTICE THAT COMPLIES WITH THIS PROVISION WILL APPLY TO BOTH US AND APPLE. REJECTION OF THE ARBITRATION PROVISION WILL NOT AFFECT YOUR OTHER RIGHTS OR RESPONSIBILITIES UNDER THIS ARBITRATION PROVISION OR THIS AGREEMENT Quote Link to post Share on other sites
IndyPoolPlayer Posted August 3, 2019 Share Posted August 3, 2019 I just wonder how many millenials will be torn between "OMG must have the latest thing from Apple" and "OMG it's the Devil in Goldman Sachs!" centex and TheVig 2 Quote Link to post Share on other sites
hegemony Posted August 3, 2019 Author Share Posted August 3, 2019 44 minutes ago, IndyPoolPlayer said: I just wonder how many millenials will be torn between "OMG must have the latest thing from Apple" and "OMG it's the Devil in Goldman Sachs!" you assume too much... do you think they really know what GS is? centex and Rogue 2 Quote Link to post Share on other sites
PotO Posted August 3, 2019 Share Posted August 3, 2019 44 minutes ago, hegemony said: you assume too much... do you think they really know what GS is? I just asked a millennial that works for me. They said GS means "geek sex". Kat58 1 Quote Link to post Share on other sites
Burdell Posted August 3, 2019 Share Posted August 3, 2019 3 hours ago, hegemony said: you assume too much... do you think they really know what GS is? You mean the bank/investment firm that been's referred to as a vampire squid and that calls its customers "muppets"? I think they're aware. And as much as I'd like to try out the Apple Card, it's enough to give me pause. hegemony 1 Quote Link to post Share on other sites
hegemony Posted August 3, 2019 Author Share Posted August 3, 2019 1 hour ago, Burdell said: You mean the bank/investment firm that been's referred to as a vampire squid and that calls its customers "muppets"? I think they're aware. And as much as I'd like to try out the Apple Card, it's enough to give me pause. on the other hand... I'd do business with the devil if it improved my financial life. Quote Link to post Share on other sites
CTSoxFan Posted August 3, 2019 Share Posted August 3, 2019 28 minutes ago, hegemony said: on the other hand... I'd do business with the devil if it improved my financial life. We already do. we have Discover cards... *saying it before someone else does... hegemony 1 Quote Link to post Share on other sites
hegemony Posted August 3, 2019 Author Share Posted August 3, 2019 28 minutes ago, CTSoxFan said: We already do. we have Discover cards... *saying it before someone else does... mine is on the chopping block... Quote Link to post Share on other sites
CTSoxFan Posted August 3, 2019 Share Posted August 3, 2019 31 minutes ago, hegemony said: mine is on the chopping block... I have considered it as well, as it is a join account with my wife and I can't even get CLIs online because they need both our authorizations for the request. For now I just keep it and take the $75/quarter they'll give me with the 5% if it is convenient, but I will be going through a full review/ reshuffle after we close on the new house and I can very easily see this ending up in the scrap pile. Quote Link to post Share on other sites
hegemony Posted August 3, 2019 Author Share Posted August 3, 2019 29 minutes ago, CTSoxFan said: I have considered it as well, as it is a join account with my wife and I can't even get CLIs online because they need both our authorizations for the request. For now I just keep it and take the $75/quarter they'll give me with the 5% if it is convenient, but I will be going through a full review/ reshuffle after we close on the new house and I can very easily see this ending up in the scrap pile. I'm trying to decide in DCU visa, subprime discovery, or Vulture is next to die. Quote Link to post Share on other sites
PotO Posted August 4, 2019 Share Posted August 4, 2019 7 hours ago, CTSoxFan said: I have considered it as well, as it is a join account with my wife and I can't even get CLIs online because they need both our authorizations for the request. For now I just keep it and take the $75/quarter they'll give me with the 5% if it is convenient, but I will be going through a full review/ reshuffle after we close on the new house and I can very easily see this ending up in the scrap pile. I have the same issue with joint accounts at BoA, Chase and USAA. It's a major pain in the butt. But on the other hand, these 3 accounts were already very old before I added my sister-in-law and resulted in her very first FICO Score being around 780 with a ten year history. Quote Link to post Share on other sites
PotO Posted August 4, 2019 Share Posted August 4, 2019 7 hours ago, hegemony said: I'm trying to decide in DCU visa, subprime discovery, or Vulture is next to die. Start a thread and we will help you decide. I vote DCU. Quote Link to post Share on other sites
CTSoxFan Posted August 4, 2019 Share Posted August 4, 2019 9 hours ago, PotO said: Start a thread and we will help you decide. I vote DCU. He already has one... Agree with your choice. Maybe convert the CapOne to another card and at least you can take Discovery's $75/quarter. Kat58 1 Quote Link to post Share on other sites
hegemony Posted August 5, 2019 Author Share Posted August 5, 2019 soft apps open!!! by invite http://wallet.apple.com/apply/iphone/ Quote Link to post Share on other sites
hegemony Posted August 5, 2019 Author Share Posted August 5, 2019 BTW, I'm predicting subprime discovery card-level low starting limits. be prepared for disappointment! PotO 1 Quote Link to post Share on other sites
hegemony Posted August 6, 2019 Author Share Posted August 6, 2019 early approvals posted on redddshit are disappointing Quote Link to post Share on other sites
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