KayveBear's Running Credit Thread

[kayvebear]

Had my mom remove me from two AU accounts today that she uses regularly. Will hurt my AAOA but will also lower my util...

 

Ready to slowly make my fico score 100% mine

 

I plan on saying AU on all accounts she doesn't use

[kayvebear]

Capital one executive office bumped my card to a rewards venture card and bumped CL to $15,000

[Art_Vandelay]

Gonna hit up the Cap one EO email again myself. It's been close to 6 months. Hope they show some Love like they did me the first time and would love form the to upgrade me to Venture. That's pretty cool.

[kayvebear]

/>Gonna hit up the Cap one EO email again myself. It's been close to 6 months. Hope they show some Love like they did me the first time and would love form the to upgrade me to Venture. That's pretty cool.

Call them directly. 1-800-955-1455

[kayvebear]

Pulled the trigger on Chase's Slate card today for the 15 month 0% BT option.

 

They approved me for 10k (my max exposure with Chase is too high as I have Chase Amazon Visa at 10k and Chase freedom at 4k) so that gives me 24k total. I will shuffle my limits from Freedom and Amazon almost entriely to the Slate and then transfer over my remaining debt to this card for 15 months of 0%.

 

I still had 0% on about 3/4 of my debt for the next six months, but I will save hundreds by getting the other 1/4 at 0%, not mention add 9 months of 0% to the other 3/4. I don't know how long these 0% deals will be around as interest rates rise and I want to play it safe. 15 months from now they could easily be gone.

[kayvebear]

Ok moved around all my CL's with Chase.

 

My new Slate now has a $22,400 CL

Amazon Visa $1100

Amazon Freedom $500

[hegemony]

nice move with chase limits

[dgates01]

I think you're finally ready to pull the trigger on a Fingerhut account.

[kayvebear]

I think you're finally ready to pull the trigger on a Fingerhut account.

 

Pray do tell - what is a fingerhut account?

[pjmaxwellian]

I think it's a joke, kinda like saying you're now ready for a First Premier card.

[kayvebear]

Resigned from the mortgage industry - it just didn't end up calling to my heart in the end as it did prior to India. I will let my license expire this winter. I have a nice idea for a new non profit company however that I will be throwing myself at for the next year and hopefully developing up while I spend a few more months in India... and it also is somewhat credit related.

[kayvebear]

My August Walmart TU Fico just came in ... 793. My highest fico ever. 7 points till 800!!!

[studiogeek]

 

Go KAYVEBEAR!

[kayvebear]

Called in for CLI on REI VISA. Asked for 25k, up from 11k. Got the 7-10 days message.

[Omnipotent]

What are you doing in India?

[kayvebear]

Called in for CLI on REI VISA. Asked for 25k, up from 11k. Got the 7-10 days message.

 

REI approved CLI... 25k line now,

[kayvebear]

 

Called in for CLI on REI VISA. Asked for 25k, up from 11k. Got the 7-10 days message.

 

REI approved CLI... 25k line now,

 

Brings me above 250k in revolving credit lines

[kayvebear]

I have officially run out of credit things to do... again :/ can't even consider it gardening mode. Wish I had something I could do!!

[kayvebear]

Had Chase bump me to their max exposure willing today on my Chase Amazon card... got it CLI'd up to 10k... brings my total chase lines to 33k which is their max limit for me based on my current income.

[kayvebear]

Had Chase bump me to their max exposure willing today on my Chase Amazon card... got it CLI'd up to 10k... brings my total chase lines to 33k which is their max limit for me based on my current income.

 

Sorry ... that was a CLI from $1100 to $10k on Chase Amazon

[dvd]

Congrats on your success!!!

[Art_Vandelay]

KAYVEBEAR,

 

Have gotten ton of Pre-approvals in the mails since joining the 800 CLUB.

 

In your opinion what would you go for.

 

From Chase-

Freedom & Slate, both the same BT offer for 15 months (IIRC)

 

From First NATIONAL Bank OF Omaha-

Their Platinum card & their AMEX branded card

 

From Bank of America-

Cash Rewards

 

and the last two

 

TD Bank siggy Rewards Visa

Barclay rewards card.

 

thanks

[kayvebear]

KAYVEBEAR,

 

Have gotten ton of Pre-approvals in the mails since joining the 800 CLUB.

 

In your opinion what would you go for.

 

From Chase-

Freedom & Slate, both the same BT offer for 15 months (IIRC)

 

From First NATIONAL Bank OF Omaha-

Their Platinum card & their AMEX branded card

 

From Bank of America-

Cash Rewards

 

and the last two

 

TD Bank siggy Rewards Visa

Barclay rewards card.

 

thanks

 

Hey Art !! Congrats on hitting 800!! Before I give you the little wisdom I have (I am only familiar with half the cards you listed), what are your current credit goals? Do you need 0% BT's? Or just trying to add to the portfolio to increase avail credit and lower over all util%? Or just collecting for fun like Hegemony?

[Lummy]

KAYVEBEAR,

 

Have gotten ton of Pre-approvals in the mails since joining the 800 CLUB.

 

In your opinion what would you go for.

 

From Chase-

Freedom & Slate, both the same BT offer for 15 months (IIRC)

 

Freedom and Slate offer the same 15 months 0% interest. Slate is a 0% transfer fee tho. Freedom is 3% transfer fee, but you also earn 1% on everything. I also got a $200 bonus for spending 3k? in the first 3 months so I came out better with the Freedom.

[Art_Vandelay]

Kayebear and Lummy, I need a good BT at them moment to get a CL paid off. Even though my uti is sitting under 10% I have a $10 K balance that I need to work on ASAP. When it rains it pours and I have sewer pipes to burst in my main home under the house and also in a rental property. Both of those set me back over $5,000. I need to become a plumber me thinks. The only alternative was to smell sewage all day so that wasn't going to happen, LOL

 

Kayvebear, when you got your 2 Amexs did you get them at the same time? Over the phone or did you just do an app on the computer back to back? Just wondering since I would like to get 2 more AMEXs with just one INQ.

 

Love the D* that I get that goes all the way back to 1987 when I was a young lad. I have 4 cards with them now but only 1 credit card. The rest charge.

 

Right now Slate is looking good with a 0% APR as you said Lummy. Might go with Chase and 2 AMEXS depending on what you say Kayvebear.

 

thanks