October 2015 Garden Club

For just about anything you want to get off your chest about credit cards.
79 posts
Nixon
Centurion Member
Centurion Member
 
Posts: 1076
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: October 2015 Garden Club

Postby Nixon » Sat Oct 17, 2015 8:14 am

I applied for BA 100K and Ink Cash with frozen reports. Ill decide later if I wanna give em the pin.
Image


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3750
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: October 2015 Garden Club

Postby CarefulBuilder14 » Sat Oct 17, 2015 12:35 pm

Nixon wrote:I applied for BA 100K and Ink Cash with frozen reports. Ill decide later if I wanna give em the pin.

Are Ink Cash reward points URs that are transferrable with a personal (non-business) CSP? Are they actually plain cash? Or do they have a more complicated transfer process (like requiring an Ink Plus)?
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

Nixon
Centurion Member
Centurion Member
 
Posts: 1076
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: October 2015 Garden Club

Postby Nixon » Sat Oct 17, 2015 3:53 pm

They will xfer with Ink Plus or CSP.
Image

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3750
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: October 2015 Garden Club

Postby CarefulBuilder14 » Sat Oct 17, 2015 4:08 pm

Nixon wrote:They will xfer with Ink Plus or CSP.

Good to know. I might get one...eventually.

I just realized my HGP account lacks my middle initial, while my Chase accounts all have it. That alone might be enough to trigger the need for manual review. There aren't (necessarily) any credit issues.
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

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3750
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: October 2015 Garden Club

Postby CarefulBuilder14 » Tue Oct 20, 2015 4:49 pm

$8,500 Hyatt approval. My only "recon" consisted of calling the lending #, asking if they needed any more information, and getting a generic 30 day message from the CSR.
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

Nixon
Centurion Member
Centurion Member
 
Posts: 1076
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: October 2015 Garden Club

Postby Nixon » Thu Oct 22, 2015 8:55 pm

CarefulBuilder14 wrote:$8,500 Hyatt approval. My only "recon" consisted of calling the lending #, asking if they needed any more information, and getting a generic 30 day message from the CSR.


Update to the BA Card: No more exposure was approved but was able to move some from another card. I confirmed they would allow this before I gave up the goods. (pin #)
Image

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3750
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: October 2015 Garden Club

Postby CarefulBuilder14 » Fri Oct 23, 2015 1:01 am

Nixon wrote:Update to the BA Card: No more exposure was approved but was able to move some from another card. I confirmed they would allow this before I gave up the goods. (pin #)

Is your cumulative personal (non-business, non-AU) Chase CL very close to either 1/3 or 1/2 of your income? I'm at a little under 50%.

Right now, all my 5 AF cards have great rewards and/or allow for a lot of statement credits or "free" rooms. All my AF cards are worth keeping.

I'm not sure if I should be leery of closing low-value, no-AF cards or not. A year from now, issuers may be more likely to label someone as undesirable if that person has closed accounts - regardless of the reason a card was closed (bonus hunting, AF dodging, or just genuinely no longer suiting a person).
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

Nixon
Centurion Member
Centurion Member
 
Posts: 1076
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: October 2015 Garden Club

Postby Nixon » Fri Oct 23, 2015 10:38 am

Approximately 40% of reported.
Image

User avatar
9Cline
Green Member
Green Member
 
Posts: 24
Joined: Thu May 07, 2015 3:37 pm

Re: October 2015 Garden Club

Postby 9Cline » Fri Oct 23, 2015 10:44 am

Pretty new here,,just hanging out seeing what else I can learn about credit and credit cards...
I'll probably catch it but I am branching out from MyFico. Still learning how things work here..so far so good...I am basically trying to make it to the next level the "800" club and debt free.
:cheers:
LOWES, DISCOVER-iT, MACY'S-AMEX PREMIER ELITE, AMEX-EDP, AMEX-BCP, CITI-DC WEMC, JCP-PLAT MC, CITI BESTBUY, CHASE SAPPHIRE , CHASE FREEDOM VS, BELK ELITE, HOME DEPOT :beat:

Nixon
Centurion Member
Centurion Member
 
Posts: 1076
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: October 2015 Garden Club

Postby Nixon » Fri Oct 23, 2015 10:49 am

Welcome!

I won't lie, my participation here has increased exponentially since being "Impeached" from MyFICO, but it really is refreshing to be posting on a site where people arent constantly bitching about how they can't get prime cards with 550 FICOs and resulting applying for every Comenity store card to fill a void.

In short, I think you'll like it here where the mods leave you alone and don't ban you for questioning them.
Image



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests