So I app'd for two today

For just about anything you want to get off your chest about credit cards.
Obi-dan
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Postby Obi-dan » Mon Dec 16, 2013 10:06 pm

Sounds positive to me. When I worked at the bank whenever the underwriters or credit guys asked my clients for more info they were trying to say yes.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)


MemberSince99
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Postby MemberSince99 » Mon Dec 16, 2013 10:13 pm

Which bank did you work at and what did you do there? Are you still in banking?

Obi-dan
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Postby Obi-dan » Tue Dec 17, 2013 7:14 am

I worked for Wells on the retail side. I was a personal banker and then an assistant branch manager. I got out of banking and now work for a non-profit.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

kennys2006
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Postby kennys2006 » Tue Dec 17, 2013 12:12 pm

Sounds right to me.

samhradh
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Postby samhradh » Tue Dec 17, 2013 3:55 pm

Which Citi card did you app for?
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

MemberSince99
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Postby MemberSince99 » Tue Dec 17, 2013 5:27 pm

The Dividend Visa.

MemberSince99
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Postby MemberSince99 » Wed Dec 18, 2013 9:20 am

Just a quick update - as expected Barclay's pulled TU and Citi pulled EX. One pull each. Barclay's is already reporting. How is that for quick?

MemberSince99
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Postby MemberSince99 » Thu Dec 19, 2013 5:52 pm

Another update - I gave Citi the information, BUT, kind of a twist. I had a PO Box at a UPS store that I've used for literally years now. Believe it or not this is the truth, when I first got it, it was to avoid the bill collectors who were circling my carcass. Ironic that today it's been on my reports for years.


Anyway the UPS store is closing. I had gone in there on Tuesday night to renew (ironic again). And sure enough, I noticed this tiny sign by the register saying they are closing in 10 days. I suspect they don't put that by the boxes or in the window because they don't want to get a bunch of irate people who already renewed their box wanting their money back as well as running off business but that's another matter (and personally I don't like it when businesses charge you for future service and go under then just want to keep the money that's immoral if not illegal...).


So no renewal. I had been thinking of switching my mail to here anyway, I only kept the box because I don't want to list my physical address on my resume which is on the net (there are too many wackos out there) and they could sign for packages and I could leave for work at the usual time and still get there in time to get it unlike at my apartment where they are out of here at the crack of 5:30 on the dot like they just escaped a Nazi death camp. Besides US Bank declined the last app I had declined citing questions about that address, but it would have been a pain in my mind to change it at the time. I mean then you have to go to the DMV and change it everywhere and it's just a real hassle. (I'd been using it for my license too). But now I have to change it, and since I have to change it, I might as well use this address. So I went and changed everything and I mean everything to here, and it only cost me 14.50 from the DMV but they will even mail the new license here. So that's cool.
One more reason I used the PO Box was when I moved here I was going to use this one but it got filled and I mean filled with junk mail to "resident" and "our neighbor" after just 4 days. I found that a massive PITA and didn't want to deal with all that crap. I never open the box now but every 6 months or so, so last I looked they don't even leave that garbage in there. I mean it gets to the point they can't even put more in. I just don't feel it's my job to dispose of that crap honestly.


Anyway, fast forward to the Citi card. Citi wanted to see a utility bill with my address on it. They won't accept a cell phone bill, so the only other utility I have here is power. That had my billing address as the PO Box, but the service address as here. I realized this is a problem, as that PO Box will be closed in less than 10 days. So I called Citi tonight and talked with a rep and explained that I had needed to change that billing address to the service address so that bill shows both of them and both are correct but the billing address will now be the service address.


So they said they would keep the application active I believe for 90 days (I thought it was 30 but maybe with Citi it's 90) and as soon as I get a new bill with the current address I can email that to them as I did this one, and then they can go forward on the application.


Unfortunately that won't be until next month as I just changed my info with the energy company. But from what I was told it shouldn't be a problem. I hope that information is true as it sounds like an approval pending that. I just have to wait until I can send the next bill with both addresses the same.


Kind of an interesting situation here as it may well have been a problem if the service address was different from the billing it sounds like.

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otter
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Postby otter » Thu Dec 19, 2013 6:12 pm

The address thing was a deal breaker for me with Citi... Any reasonable person would have come to the conclusion my address is correct given the documentation I gave citi, but not them. Screw them...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Thu Dec 19, 2013 6:36 pm

Really they declined you for that? What happened, if you don't mind sharing?



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