June 2015 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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JonE
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Re: June 2015 Garden Club/Cult

Postby JonE » Sat Jun 20, 2015 7:00 pm

Ultimately my goal is to build established credit with reputable credit card companies that would be easily useful and rewarding. I don't see needing upwards of 10 cards to get that accomplished. Chase is a nice start, in the future, AMEX would be a good one as well as another card from Chase (CSP maybe).

Chase, AMEX and Synchrony if I decide to keep them around.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD


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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Mon Jun 22, 2015 7:09 pm

Nixon wrote:
CarefulBuilder14 wrote:So 80k + $50 is the best offer? I'd never even heard of that one.

Should I send the secure message ASAP? Once I get my card?

*I haven't yet sent any message to Chase about either superior offer. I take it that Chase will only "upgrade" a offer once?


Send the message after getting statement credit, OR after meeting spend for best results.

I've got pending transactions that will take me over the $1k threshold. I take it I should send the secure message after they post, but I don't have to wait until the first statement cuts?
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

Nixon
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Re: June 2015 Garden Club/Cult

Postby Nixon » Mon Jun 22, 2015 7:51 pm

CarefulBuilder14 wrote:
Nixon wrote:
CarefulBuilder14 wrote:So 80k + $50 is the best offer? I'd never even heard of that one.

Should I send the secure message ASAP? Once I get my card?

*I haven't yet sent any message to Chase about either superior offer. I take it that Chase will only "upgrade" a offer once?


Send the message after getting statement credit, OR after meeting spend for best results.

I've got pending transactions that will take me over the $1k threshold. I take it I should send the secure message after they post, but I don't have to wait until the first statement cuts?


Post.
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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Sat Jun 27, 2015 9:48 pm

I've got my IHG request in, and I've got pending transactions to take me to 30 swipes on EDP near the end of my billing period.

Now a day or two of credit suspense while I wait to see the results.

*Got both* :)
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

JonE
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Re: June 2015 Garden Club/Cult

Postby JonE » Thu Jul 09, 2015 11:25 am

I know picking on MF is like shooting fish in a barrel around here, but this thread about someone who wants to apply for more credit, after an app spree, because their given CL doesn't come out to an even number, is just, I don't even know what to say, I'm speechless, and that's saying a lot for me. :confused:
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

Nixon
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Re: June 2015 Garden Club/Cult

Postby Nixon » Thu Jul 09, 2015 11:38 am

JonE wrote:I know picking on MF is like shooting fish in a barrel around here, but this thread about someone who wants to apply for more credit, after an app spree, because their given CL doesn't come out to an even number, is just, I don't even know what to say, I'm speechless, and that's saying a lot for me. :confused:


Yep... Or a member who despite only being 2 years from BK7 continues to apply for new credit and CLI's they don't "need" But apparently PIF before statement so that only 1% will post. ;)
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kdm31091
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Re: June 2015 Garden Club/Cult

Postby kdm31091 » Sat Jul 11, 2015 3:05 pm

JonE wrote:I know picking on MF is like shooting fish in a barrel around here, but this thread about someone who wants to apply for more credit, after an app spree, because their given CL doesn't come out to an even number, is just, I don't even know what to say, I'm speechless, and that's saying a lot for me. :confused:


I found that thread incredibly disturbing. I mean, the person clearly needs psychological help. If one is that addicted or obsessed that they need to app more to achieve ANY arbitrary limit they need help but especially doing it just because you want an "even number" (which, how that would even be guaranteed by more apps is beyond me).

The person was truly a sad example of addiction and OCD. Some posters tried to weakly defend them but I politely said that they should probably seek help (as did you, JonE).

Nixon
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Re: June 2015 Garden Club/Cult

Postby Nixon » Sat Jul 11, 2015 7:22 pm

kdm31091 wrote:
JonE wrote:I know picking on MF is like shooting fish in a barrel around here, but this thread about someone who wants to apply for more credit, after an app spree, because their given CL doesn't come out to an even number, is just, I don't even know what to say, I'm speechless, and that's saying a lot for me. :confused:


I found that thread incredibly disturbing. I mean, the person clearly needs psychological help. If one is that addicted or obsessed that they need to app more to achieve ANY arbitrary limit they need help but especially doing it just because you want an "even number" (which, how that would even be guaranteed by more apps is beyond me).

The person was truly a sad example of addiction and OCD. Some posters tried to weakly defend them but I politely said that they should probably seek help (as did you, JonE).


Yeah, but telling the truth is Illegal on MyFICO. ;)
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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Sat Jul 11, 2015 7:26 pm

A link to this MF lunacy, please?
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

Nixon
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Posts: 1078
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: June 2015 Garden Club/Cult

Postby Nixon » Sat Jul 11, 2015 7:34 pm

CarefulBuilder14 wrote:A link to this MF lunacy, please?


Any post that involves letting the poster know a harsh reality that doesn't have congrats in it is usually met by the CL's by the standard "Now, now. Let's be cuddly little marshmallowbears." It's been especially bad since I was outcast.
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