The Zen of Being Approved

For just about anything you want to get off your chest about credit cards.
18 posts
kyweise
 
Posts: 1
Joined: Tue Aug 07, 2012 11:37 am
Location: New York, NY

From a reporter

Postby kyweise » Tue Aug 07, 2012 11:46 am

Hi folks, very interesting conversation here! I'm a reporter at Bloomberg Businessweek magazine and am hoping to speak with consumers about credit scores. (I hope it's okay to post here.) In particular, I'm interested in talking with folks whose score took a hit in the downturn or who have thin files. If you or anyone you know might be interested, please contact me. (I am on deadline so would need to do the interview today.)
Many thanks,
Karen Weise
Bloomberg Businessweek
(212) 617-2160 desk
(415) 846-6592 cell
kweise@bloomberg.net
@kyweise on twitter


jlam572
Centurion Member
Centurion Member
 
Posts: 494
Joined: Wed Aug 01, 2012 12:04 am
Location: Hawaii

Postby jlam572 » Wed Aug 08, 2012 12:36 am

My score took a hit when my 70k in student loans took effect :(
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

User avatar
jumbo
Centurion Member
Centurion Member
 
Posts: 363
Joined: Wed Sep 14, 2011 3:17 am
Location: IA

Postby jumbo » Sun Aug 26, 2012 4:25 am

Guess, the Zen didn't work for me. Got two denial letters from AMEX after a couple of weeks.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

Dylan1982
Centurion Member
Centurion Member
 
Posts: 323
Joined: Tue Mar 06, 2012 12:15 am
Location: Chicago

Postby Dylan1982 » Sun Aug 26, 2012 10:18 pm

Great story. I too have really built up my credit. Here is sort of my story: http://creditcardforum.com/general-credit-card-talk/5151-ive-come-long-way-such-short-period-time-being-here.html


My student loans are in forbarence right now, I cannot afford to pay them.. do you have any advice on what I can do?
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

User avatar
djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Mon Aug 27, 2012 11:23 am

Dylan1982 wrote:My student loans are in forbarence right now, I cannot afford to pay them.. do you have any advice on what I can do?


Even if they're in forbearance, if you can afford to make payments in any amount, you should. I suggest this because interest on student loans can be capitalized, meaning it becomes part of the principle balance.

Otherwise, congrats on your journey and keep up the good work.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

KAK
Green Member
Green Member
 
Posts: 18
Joined: Thu Aug 23, 2012 8:15 pm
Location: Houston

Postby KAK » Mon Aug 27, 2012 8:20 pm

I just got a green AmEx and I want a gold rewards. I have all positive but young credit. Score in the low to mid 700s. I also have a sapphire preferred with a 10k limit and a crapital one with a 750 limit that was my first CC and I'm going to close it.

If you got it with your problems I'm sure I can.

ReadyTuna25209
Green Member
Green Member
 
Posts: 20
Joined: Sat Aug 25, 2012 11:02 pm
Location: Atlanta, GA

Postby ReadyTuna25209 » Wed Aug 29, 2012 4:48 pm

Glad to hear your story. Just make sure you don't ignore or forget anything. I'd hate to see it all crumble especially since you have a family now. If you work hard, you will eventually be rewarded.
AMEX Blue Sky (November 2012)
Citi Diamond Preferred MC (August 2012)
Discover It (August 2012)
Orchard Bank MC (June 2011)
Bank Americard Cash Rewards (September 2010)

Current scores: 715 TU / 724 EQ / 724 EX

User avatar
djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Wed Aug 29, 2012 5:01 pm

ReadyTuna25209 wrote:Glad to hear your story. Just make sure you don't ignore or forget anything. I'd hate to see it all crumble especially since you have a family now. If you work hard, you will eventually be rewarded.


Thanks for the sage advice. I have everything set on autopay before statement closing date, so there will be nothing to ignore or forget. The only thing left to do is sit back, be responsible, and watch it all pay off.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests