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Messages - @Yehuda

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Credit Cards / Re: How to get free experian report?
« on: October 16, 2013, 02:52:20 PM »
Just sharing in case ppl don't know:

Free Equifax:

Free TransUnion:

And just to get 'em all in here even though it was posted above, Free Experian:

Credit Cards / Re: target offer quandry
« on: October 16, 2013, 01:57:32 PM »
1) Applied via 3BM for SW Biz, Amex Gold and SW Personal in late August.  Got approved for the Amex Gold and the SW Biz but my SW Personal app froze in Chrome :(
2) I recently moved and the prior owner had a business out of his house. 
3) I received a targeted Amex Plat Biz offer for 100k points for spending 10k in first 3 months (Easy with VRs) targeted for his biz that expires 11/30

1) I presume its worthwhile to spend the 450 given that the 100k are worth more, please confirm (i know thats not a question)
2) Is there enough time in between my last pull and the target expiration to actually apply successfully?
3) Will I have a problem applying (just changing the business name to my business name in the app) using the target?
4) If I can apply, could I use the 3/4 bm? If so, what other cards should I apply for?


I don't know the answers to your questions, but I do know that SW biz, Amex Gold, SW personal are not a 3bm. 3bms only work if all the cards are from the same bank. You have 2 Chase cards there and 1 Amex, so you got 1 credit pull from Chase and 1 from Amex.

Credit Cards / Re: Misc Random Questions
« on: October 16, 2013, 01:52:34 PM »
How about a place to bounce random "credit card" questions off of the crew. I will start:

When does the AMEX Blue Cash Preferred $6k on groceries reset? is that based on the calender year? Is there a way to know if you have already hit the max on it?

I like the idea, but feel like the pros will always know which thread your Q really belongs in.

Credit Cards / Re: hertz and national
« on: October 16, 2013, 01:49:18 PM »
What are the benefits of these President Clubs?

Credit Cards / Re: Credit Card Comparison Chart
« on: October 16, 2013, 01:32:39 PM »
You also don't find much discussion on skunks, urinals, and diarrhea.

Your reply should be sketched forever in history as the best comment on DDF.

But still, even w/o using the card, there is something to be said for $8000 CL.

Credit Cards / Re: Chase Reconsideration
« on: October 16, 2013, 11:46:09 AM »
So the recon rep is using the term "Card Cap" saying I can only have two new accounts within a thirty day period. They're willing to give me the card I'm reconning for if I close one of the two I already got.

I'm going to HUCA again, and SM if necessary. Has anyone heard them use this specific term before? And is there a good way to get around other than hang up and call at a late hour / weekend?

2 cards in 30 days is classic Chase talk. Was the first time I learned the power of HUCA.

Credit Cards / Re: 2/3/4BM Master Thread
« on: October 16, 2013, 11:42:19 AM »
You forgot to add "and getting shut down for opening 8 cards in the first year of credit...."  ;)

Please I'm only at 5. (with 2 more open apps from my 4bm still waiting for their day in the spotlight)

Credit Cards / Re: Transfer Credit limit from personal to business line
« on: October 15, 2013, 04:03:00 PM »
I tried transfering a cl today sapphire to Ink and was told that personal to biz can't be transferred

If I've learned anything here in my few weeks -- HUCA!!! but also YMMV

Credit Cards / Re: Credit Card Comparison Chart
« on: October 15, 2013, 01:33:31 PM »
I find it interesting that there's so little talk on the forum about HAS Advantage. Now, of course, I've head it's terrible, but I would think that at least people would have had a discussion about it. I could only find 1 thread (a short one) on the topic. Anyway, I just found one in my room that I forgot I applied for a few years ago and never activated. I called them and they're still going to activate it, and it has an $8000 CL so even if the card is bad -- yay! more CL!

Credit Cards / Re: Chase Private Client Experience?
« on: October 15, 2013, 12:49:44 PM »
They realized you're Jewish they stopped offering PCB for Jews  :P

Haha get the papers on it!

Credit Cards / Re: 2/3/4BM Master Thread
« on: October 15, 2013, 12:45:07 PM »
LOL you guys are awesome. I know slowing it down is smart/necessary. Just once I got the pull on those cards, I don't want to waste any apps.

Credit Cards / Re: United MileagePlus Explorer Card
« on: October 15, 2013, 12:42:48 PM »
Yup. Simple as that.

I signed up for the card a few months ago for the second time and forgot to change the ffn I sm'ed right away to be matched and they said I won't be getting any bonus, after spending the money I got 30k so I sm'ed again to be matched and b"h they gave it to me


Credit Cards / Re: Introducing the new United MileagePlus Club Card
« on: October 15, 2013, 12:41:33 PM »
and Of course!

How did you get that email to enable the first year waive?

Credit Cards / Re: United MileagePlus Explorer Card
« on: October 14, 2013, 11:23:26 PM »
Doesn't matter.
Thanks and I just say " I want to match that offer?"

Credit Cards / Re: United MileagePlus Explorer Card
« on: October 14, 2013, 11:03:09 PM »
Just a Q about the Wiki. When applying for the first card, when do you SM to get the match? Right away, or only once you've earned the 30K?

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