December 2015 Garden Club

For just about anything you want to get off your chest about credit cards.
284 posts
yfan
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Re: December 2015 Garden Club

Postby yfan » Tue Dec 15, 2015 2:53 pm

4ktvs wrote:I am so pissed at myself right now for what I did last month. I thought my app for the FNBO Bucksback visa didn't go though and then they changed the app to where only a limited number of states could apply so I thought that was the end of it. Well they got the app at some point and I guess it went to manual UW and now I just got $1k card.

Well, it was a mistake, but it's not the end of the world. Just don't keep apping impulsively and you'll be fine.


kdm31091
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Re: December 2015 Garden Club

Postby kdm31091 » Tue Dec 15, 2015 4:10 pm

4ktvs wrote:I am so pissed at myself right now for what I did last month. I thought my app for the FNBO Bucksback visa didn't go though and then they changed the app to where only a limited number of states could apply so I thought that was the end of it. Well they got the app at some point and I guess it went to manual UW and now I just got $1k card.

Well that showed me didn't it. At lest it's a nice card and now my lowest APR card by far. Now I will have to get to work on getting a darn CLI on this darn thing.

P.S I know this is of my own fault so I will deal with it. But still someone needs to do this to me: :beat:

So now I have 6HP in two years, darn it.


We've all wasted a HP here and there. Not the end of the world. Besides, 6 HPs in 2 years is nothing compared to many people who rack up 6 HPs per month or quarter!

4ktvs
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Re: December 2015 Garden Club

Postby 4ktvs » Tue Dec 15, 2015 4:24 pm

kdm31091 wrote:
4ktvs wrote:I am so pissed at myself right now for what I did last month. I thought my app for the FNBO Bucksback visa didn't go though and then they changed the app to where only a limited number of states could apply so I thought that was the end of it. Well they got the app at some point and I guess it went to manual UW and now I just got $1k card.

Well that showed me didn't it. At lest it's a nice card and now my lowest APR card by far. Now I will have to get to work on getting a darn CLI on this darn thing.

P.S I know this is of my own fault so I will deal with it. But still someone needs to do this to me: :beat:

So now I have 6HP in two years, darn it.


We've all wasted a HP here and there. Not the end of the world. Besides, 6 HPs in 2 years is nothing compared to many people who rack up 6 HPs per month or quarter!


I know it's not the end of the world, but it sucks to feel like for the first time I wasted a HP. Now I need to find out the best way to work on getting a CLI with it ASAP. Normally I don't care so much but this limit is the lowest I have ever gotten in my life.

kdm31091
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Re: December 2015 Garden Club

Postby kdm31091 » Tue Dec 15, 2015 10:02 pm

4ktvs wrote:
kdm31091 wrote:
4ktvs wrote:I am so pissed at myself right now for what I did last month. I thought my app for the FNBO Bucksback visa didn't go though and then they changed the app to where only a limited number of states could apply so I thought that was the end of it. Well they got the app at some point and I guess it went to manual UW and now I just got $1k card.

Well that showed me didn't it. At lest it's a nice card and now my lowest APR card by far. Now I will have to get to work on getting a darn CLI on this darn thing.

P.S I know this is of my own fault so I will deal with it. But still someone needs to do this to me: :beat:

So now I have 6HP in two years, darn it.


We've all wasted a HP here and there. Not the end of the world. Besides, 6 HPs in 2 years is nothing compared to many people who rack up 6 HPs per month or quarter!


I know it's not the end of the world, but it sucks to feel like for the first time I wasted a HP. Now I need to find out the best way to work on getting a CLI with it ASAP. Normally I don't care so much but this limit is the lowest I have ever gotten in my life.


I dont know how FNBO is per se but I know many lenders are pretty firm about 6 months of account history before granting a CLI.

4ktvs
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Re: December 2015 Garden Club

Postby 4ktvs » Wed Dec 16, 2015 2:34 pm

6 months to then call them for a CLI sounds like the way I should go. I guess it's mostly going to be SD until then. The good news is I can get a SP CLI as taking a HP for it wouldn't be fun.

Nixon
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Re: December 2015 Garden Club

Postby Nixon » Wed Dec 16, 2015 2:53 pm

Put s monthly bill on it or something.
Image

Tubpbs
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Re: December 2015 Garden Club

Postby Tubpbs » Wed Dec 16, 2015 4:11 pm

4ktvs wrote:6 months to then call them for a CLI sounds like the way I should go. I guess it's mostly going to be SD until then. The good news is I can get a SP CLI as taking a HP for it wouldn't be fun.


I wouldn't get your hopes up for a CLI in 6 months if you're not going to use the card... To me (I'm not FNBO), that will result in a CLI denial whether your credit improves or not over the next 6 months...
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kdm31091
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Re: December 2015 Garden Club

Postby kdm31091 » Wed Dec 16, 2015 4:42 pm

Tubpbs wrote:
4ktvs wrote:6 months to then call them for a CLI sounds like the way I should go. I guess it's mostly going to be SD until then. The good news is I can get a SP CLI as taking a HP for it wouldn't be fun.


I wouldn't get your hopes up for a CLI in 6 months if you're not going to use the card... To me (I'm not FNBO), that will result in a CLI denial whether your credit improves or not over the next 6 months...


Agreed. You have to give to get. Use the card for some expenses/ a bill, or the CLI will almost certainly not happen.

4ktvs
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Re: December 2015 Garden Club

Postby 4ktvs » Wed Dec 16, 2015 5:00 pm

kdm31091 wrote:
Tubpbs wrote:
4ktvs wrote:6 months to then call them for a CLI sounds like the way I should go. I guess it's mostly going to be SD until then. The good news is I can get a SP CLI as taking a HP for it wouldn't be fun.


I wouldn't get your hopes up for a CLI in 6 months if you're not going to use the card... To me (I'm not FNBO), that will result in a CLI denial whether your credit improves or not over the next 6 months...


Agreed. You have to give to get. Use the card for some expenses/ a bill, or the CLI will almost certainly not happen.


I plan to use it I just won't use it a lot, it's a 1k limit there isn't much that can be done other than put a few charges on it. Unless your suggesting I should max it out every month.

kdm31091
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Re: December 2015 Garden Club

Postby kdm31091 » Wed Dec 16, 2015 5:12 pm

Nope, maxing it out isn't necessary. You just want to show regular usage (more than just one tiny purchase a month for example).



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