I just realized I don't have a regular Visa card...

For just about anything you want to get off your chest about credit cards.
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nismoZtuner
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Postby nismoZtuner » Thu Aug 14, 2014 1:02 pm

MemberSince99 wrote:.


what with more people using your acorn picture?

I`ve seen about 4 others use it
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22


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onion
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Postby onion » Thu Aug 14, 2014 2:39 pm

nismoZtuner wrote:what with more people using your acorn picture?

I`ve seen about 4 others use it


Its the myfico seedling picture. They all have it because they can't seem to stop applying for credit for more than 30 days.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

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otter
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Postby otter » Thu Aug 14, 2014 7:49 pm

onion wrote:Its the myfico seedling picture. They all have it because they can't seem to stop applying for credit for more than 30 days.


I'll trade my silver (or maybe it's platinum) spade for a seedling and a 3X CLI on my Amex...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Aug 14, 2014 9:35 pm

otter wrote:I'll trade my silver (or maybe it's platinum) spade for a seedling and a 3X CLI on my Amex...


Has Amex given any reason for being tight-fisted about a CLI?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
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Postby onion » Thu Aug 14, 2014 10:09 pm

otter wrote:I'll trade my silver (or maybe it's platinum) spade for a seedling and a 3X CLI on my Amex...


That's a soft pull though, by their rules, you keep your spade.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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otter
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Postby otter » Fri Aug 15, 2014 5:41 am

CarefulBuilder14 wrote:Has Amex given any reason for being tight-fisted about a CLI?


The usual... too many inquries, new accounts, etc.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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otter
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Postby otter » Fri Aug 15, 2014 5:48 am

onion wrote:That's a soft pull though, by their rules, you keep your spade.


I guess I've kind of thrown out the fico rules anyway...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

popamode72
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Postby popamode72 » Fri Aug 15, 2014 6:41 am

Yeah that's always the most annoying part about requesting a CLI and getting denied for reasons like that and sometimes the reasons even changing. I'm looking at you, Citi and your SP credit increase request tool. Had the account for nearly a year now at this point so I guess I have to keep waiting or see if anything happens between this September and October.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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nismoZtuner
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Postby nismoZtuner » Fri Aug 15, 2014 1:20 pm

onion wrote:Its the myfico seedling picture. They all have it because they can't seem to stop applying for credit for more than 30 days.


I see..

thanks
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

alexmt
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Postby alexmt » Tue Mar 31, 2015 4:34 am

papelet wrote:I just thought it was weird that MC has more love for me than Visa. I grew up thinking Visa (logo) was cooler than MC which is why I was very disappointed when I realized that my first real credit card was a MC lol.
In a more serious subject, does anyone here know why some people get more offers from MC than Visa and the other way around? Is it a regional thing? Or is it just the banks deciding what to send you based on your profile


Visa and Mastercard have NOTHING to do with it, they are just processing networks. What offers you get are up to the banks. In the US, Visa is far more popular than Mastercard, which has some relation but doesn't, obviously, explain your seeing the opposite... just chance mainly.



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