cv91915 Posted January 1, 2021 Share Posted January 1, 2021 This is YOUR year. Pursue quality and do not settle! No useless store cards, no fee sucker/subprime credit report stains (Credit One, First PREMIER, etc.), no 99% LTV mortgages with nothing in savings, no 72+ month auto loans. When it comes to credit and finances, planning and impulse control will serve you well over the long term. As you evaluate your credit options for 2021, please look several steps ahead and decide if you'll be happy with this year's decisions 2-5 years (or longer) from now. Happy New Year, everyone! Midwestgardener, hegemony, bandit102 and 11 others 7 7 Quote Link to comment Share on other sites More sharing options...
hegemony Posted January 1, 2021 Share Posted January 1, 2021 (edited) $50 bucks says you had this post drafted 3 months ago... Edited January 1, 2021 by hegemony Journeyjeans 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted January 1, 2021 Author Share Posted January 1, 2021 (edited) 2 hours ago, hegemony said: $50 bucks says you had this post drafted 3 months ago... You have me confused with Cappy. 😛 Venmo works for me. 💲 Edited January 1, 2021 by cv91915 hegemony, Journeyjeans, althes and 1 other 1 3 Quote Link to comment Share on other sites More sharing options...
insolent1 Posted January 6, 2021 Share Posted January 6, 2021 Still no Diners Club... 😞 dvd and hegemony 1 1 Quote Link to comment Share on other sites More sharing options...
bandit102 Posted January 6, 2021 Share Posted January 6, 2021 Snowballing debt the last 3 months have brought utilization from 93% to 61%. Apple $500 to $1250 no HP. Cap 1 QS $1650 to $2500. Scores 637-645. No baddies. Sent from my iPhone using Tapatalk cv91915, hegemony, Journeyjeans and 2 others 2 3 Quote Link to comment Share on other sites More sharing options...
DPB Posted January 7, 2021 Share Posted January 7, 2021 Amex Blue Business Cash - $9k CL SUB is ok for a no-fee card - $250 statement credit for $5k spend in first 6 months, plus additional $250 statement credit for an additional $10k spend in first year. cv91915 and hegemony 2 Quote Link to comment Share on other sites More sharing options...
hegemony Posted January 7, 2021 Share Posted January 7, 2021 just a reminder for everyone to also add their data to the CP database https://creditboards.com/forums/index.php?/creditpulls/&do=form&d=5 Journeyjeans and cv91915 1 1 Quote Link to comment Share on other sites More sharing options...
brainchasm Posted January 8, 2021 Share Posted January 8, 2021 Another $1k with Discover just for asking. Now at an even $30k with Discover, which pleases my OCD, and thus pleases me. cv91915, Kat58 and Journeyjeans 2 1 Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 9, 2021 Share Posted January 9, 2021 Another $1k with Discover just for asking. Now at an even $30k with Discover, which pleases my OCD, and thus pleases me. I've set $30k or more as the goal for my next luv button hit. Sent from my SM-N986U using Tapatalk Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 11, 2021 Share Posted January 11, 2021 Helping someone build up to home ownership.BOA $2800-$5700 soft pullSent from my SM-N986U using Tapatalk cv91915 1 Quote Link to comment Share on other sites More sharing options...
DPB Posted January 14, 2021 Share Posted January 14, 2021 Another day, another targeted offer from Amex with an elevated SUB. Blue Business Plus - $9K CL SUB: 25K MR for $3K spend in 3 months hegemony and cv91915 2 Quote Link to comment Share on other sites More sharing options...
brainchasm Posted January 14, 2021 Share Posted January 14, 2021 $10k basic card with BofA from a previous BT. Requested a CLI because cv91915 told me to. $9k bump, total now $19k. hegemony, Midwestgardener and digitalscotch 2 1 Quote Link to comment Share on other sites More sharing options...
althes Posted January 17, 2021 Share Posted January 17, 2021 Playstation 2k cli on my visa and a 0% 15 month BT. I did 45%. They even covered the 5% fee. I only have 1 comenity visa and I will never apply for another one. hegemony, TheVig and swimmingwithsharks 3 Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 18, 2021 Share Posted January 18, 2021 Cap1/Cabelas auto $500 CLISent from my SM-N986U using Tapatalk hegemony 1 Quote Link to comment Share on other sites More sharing options...
a1wavey Posted January 19, 2021 Share Posted January 19, 2021 my first unsecured cc YAYY! AU for 2 CC's NAVY FED AMEX $3K will request CLI after 3rd statement DebtFreeIn04, cv91915, hegemony and 1 other 3 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted January 20, 2021 Author Share Posted January 20, 2021 On 1/18/2021 at 10:46 PM, a1wavey said: my first unsecured cc YAYY! AU for 2 CC's NAVY FED AMEX $3K will request CLI after 3rd statement Congrats on your first unsecured card. 👍 That one should grow over time. DebtFreeIn04 and Journeyjeans 2 Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 20, 2021 Share Posted January 20, 2021 +$2000 CLI on soft pull Costco/Citi card that is 4 months old. Was $6800 and now $8800 and in the sock drawer again. Sent from my SM-N986U using Tapatalk cv91915, Journeyjeans and hegemony 2 1 Quote Link to comment Share on other sites More sharing options...
scott31337 Posted January 22, 2021 Share Posted January 22, 2021 AMEX BBC I think it opened at 10k transferred another card to it at 47k now IH8SPM, hegemony and cv91915 3 Quote Link to comment Share on other sites More sharing options...
Allkindabroke Posted January 23, 2021 Share Posted January 23, 2021 Last month my largest posted balance ($2900) hit the SDFCU 2% Visa. I PIF before the due date. I charged another $2500 this month. After the pmt due date, I received a CLD notice from Credit Karma that my SDFCU limit went from $34K to $30K. SDFCU online showed it at $34K so I called and asked if the CLD was real. Was told someone would call me back. My statement cut 2 days later and reflected a CLI to $39K. This is the second time in a year that Credit Karma incorrectly reported a CLD for SDFCU- same amount. Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 26, 2021 Share Posted January 26, 2021 Last month my largest posted balance ($2900) hit the SDFCU 2% Visa. I PIF before the due date. I charged another $2500 this month. After the pmt due date, I received a CLD notice from Credit Karma that my SDFCU limit went from $34K to $30K. SDFCU online showed it at $34K so I called and asked if the CLD was real. Was told someone would call me back. My statement cut 2 days later and reflected a CLI to $39K. This is the second time in a year that Credit Karma incorrectly reported a CLD for SDFCU- same amount. Why would you trust Credit Karma to do anything factual? If it's not FICO is FAKO. Sent from my SM-N986U using Tapatalk Quote Link to comment Share on other sites More sharing options...
Allkindabroke Posted January 27, 2021 Share Posted January 27, 2021 15 hours ago, IH8SPM said: Why would you trust Credit Karma to do anything factual? If it's not FICO is FAKO. Sent from my SM-N986U using Tapatalk I don’t use CK for scores. The alerts from CK are usually spot on and come in advance of the alerts from my free experian account. In 10 years this is the only time CK has been this off the mark for me. Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted January 27, 2021 Share Posted January 27, 2021 I don’t use CK for scores. The alerts from CK are usually spot on and come in advance of the alerts from my free experian account. In 10 years this is the only time CK has been this off the mark for me.When it comes to alerts for credit pulls they are fast but for anything else they are not accurate. I stopped using it for anything other than entertainment and to educate friends and family by using it to compare and educate them. Thank you to Credit Boards for the education over the years. Sent from my SM-N986U using Tapatalk Journeyjeans, scott31337 and cv91915 1 2 Quote Link to comment Share on other sites More sharing options...
Allkindabroke Posted January 27, 2021 Share Posted January 27, 2021 3 hours ago, IH8SPM said: When it comes to alerts for credit pulls they are fast but for anything else they are not accurate. I stopped using it for anything other than entertainment and to educate friends and family by using it to compare and educate them. Thank you to Credit Boards for the education over the years. Sent from my SM-N986U using Tapatalk YMMV I found out my BK dropped off my report 3 months before I expected it from CK. They have consistently been the front runner to alert me about changes to my reports which later reported on the once a month cycle of my experian account. I know what the board says. I also know my own experience. CK serves a purpose and if they go off the rails beyond this incident I won't be entertained, I'll just get rid of the account. Journeyjeans 1 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted January 30, 2021 Share Posted January 30, 2021 Approved for Amex Blue Cash Preferred card. $6K credit line. First year no AF. Thinking about closing my Amex Everyday Preferred. The Blue Cash gives me more bang for the buck on grocery spend. TheVig and IH8SPM 2 Quote Link to comment Share on other sites More sharing options...
trubliever82 Posted February 3, 2021 Share Posted February 3, 2021 I use DW citi AA card every month and mostly pay in full. Well I ran it up to close to the whole cl this month ($25k). I kept using it and wondered what was going on. Went on to pay it off for the month and here they gave her a $20k cli before I pod it off. LOL cv91915, althes and IH8SPM 2 1 Quote Link to comment Share on other sites More sharing options...
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