Advice, what should I do?

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tanyasf
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Postby tanyasf » Sat Mar 30, 2013 10:46 pm

You should be going to China and never come back. All the problems are gone


MemberSince99
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Postby MemberSince99 » Sun Mar 31, 2013 7:07 am

tanyasf wrote:You should be going to China and never come back. All the problems are gone


What the hell does that mean? Or is it just your idea of a joke?

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Snowman
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Postby Snowman » Wed May 01, 2013 9:58 am

Update: I applied for the Chase Freedom this morning and I was approved instantly. I don't know my limit or which bureau they pulled (probably EX, but I would hope it's TU instead.) I also had applied for the BCE on April 9th, but I was denied. They gave my EX score at 715 (Higher then I thought, I thought it would have been in 600's.) I plan to go for the Gold Delta in a week or so, and then PC it to the BCE. After that I'm not planning to apply for any cards for at least a year or more.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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Z06Biker
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Postby Z06Biker » Wed May 01, 2013 2:41 pm

MemberSince99 wrote:What the hell does that mean? Or is it just your idea of a joke?


I know, right? Terrible, terrible attempt at humor.

@Snowman - 'grats on the Freedom approval! From my experience, Chase pulls Experian only.

Don't sweat it about the BCE. Garden for a bit. Or, you could shoot for the Gold Delta Skymiles like you said, and then immediately PC it.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

Gamma
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Postby Gamma » Wed May 01, 2013 7:05 pm

Grats on your approval on the Freedom card. Good way to start the month. What was the reason for the denial on the BCE? Also keep us updated on the limit Chase gave you.

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Snowman
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Postby Snowman » Wed May 01, 2013 8:01 pm

Z06- Yes that was a bad attempt of humor and their part, a bit disturbing I think...lol. Yeah especially here in California, I was thinking that they were going to pull TU, but I'm sure it's EX. That's my intent anyways, I'm not to keen on keeping the Gold Delta (I fly 3-4 times a year, and it depends on whom fits my schedule the best whether it be any airline), the BCE fits my needs better (backup gas card), but it happens to be a harder card to qualify for. I'm planning to also cancel or close my PRG since I don't use it as much as I should and the annual fee won't make it worth it for me.

Gamma- Thank you. The reasons listed were these: Length of time accounts have been established, Length of revolving account history, Too many inquires in the last 12 months, Lack or recent information on installment accounts, and lastly, The length of time you have been a customer with American Express is to short. I also talked to a Chase rep this morning on my work break and he first congratulated me on my approval and then he asked if I would like to know my limit. I told him I would and he told me that I was approved for a 2,400 limit. And I was very happy with that, so now I think Chase will get much of my business now since I have a higher limit with them. I thought I really had to plead with them to approve me, but right now they have exceeded my expectations and I am glad to be a customer with Chase. A few weeks ago, I also opened a student checking and savings account with them, so idk if that helped or not either.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

Gamma
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Postby Gamma » Wed May 01, 2013 10:22 pm

I wouldn't have thought Amex would use "Amex costumer history to short" as an excuse for denial. Did you recon? When is the next time you plan on applying for it or do you plan on getting the Delta then product changing? Do you plan on having Chase as your primary choice of bank? I might be making them my primary bank soon, but the only thing holding me back is the online interface. BoA's online interface is way better than Chase imo. Also, I hope you used a coupon to get free money when you opened that account with them seeing how often they advertise it.


On a unrelated note,
tanyasf wrote:You should be going to China and never come back. All the problems are gone

For anyone that might be interested, this person is a troll and I just remembered he/she got banned in MyFico forums a while back and had since made multiple accounts with them using different IP address continuing to troll their forums. I don't know if he/she still does this, but just thought I'd share this!

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Snowman
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Postby Snowman » Wed May 01, 2013 10:46 pm

Gamma- I didn't think so either but I guess it plays a part..lol. No I didn't bother to recon. The reason why is because I hear that they are very difficult to recon once their decision has been made, and I think it was pretty unlikely that I would be approved if I reconned. I applied on April 9th, but I am going to apply again on May 10th. I'm going for the Delta, and if I am approved, then I will PC it after a few weeks or so. At this point, I'm keeping my BOFA account because 1. I'm a student. 2. It's free. 3. I use it to deposit my paychecks and I pay all my bills from there. So Chase is just my bank for all the extra money (birthday money, selling stuff..lol, I keep it in their and I'm nt touching it unless it's an emergency.) My personal banker never mentioned the Free money...lol. And yeah, BOFA has a better interface then Chase, but Chase has the better products. Right now, I'm just sticking to it and I might move to Chase if BOFA decides to screw me in any way. They've been good to me so far...so it's all good.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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