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Messages - @Yehuda

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10831
Credit Cards And Finance / Re: Barclays Reconsideration
« on: October 21, 2013, 03:23:17 PM »
What was your 3bm and what is the general 4bm people are doing at Barclay's?

Lufthansa
Arrival
US Airways

Some ppl have tried the NFL card I heard, but any links I found have basically no bonus.

10832
Credit Cards And Finance / Re: My next app-o-rama...
« on: October 21, 2013, 03:22:13 PM »
Ok to update my situation...

Applied for 10 cards last night, 0 instant approvals. The banks and Dan and others have confirmed that's definitely because I gave a new address on my apps - one that was not on my credit report. Oh well. So, today was a day of calls.

Barclays approved Lufthansa. Said they won't approve Arrival or US Airways b/c 1) I have too many new cards open with other banks recently (5 Chase, 1 AMEX since June) and 2) 1 card is enough for now, prove I can use it well, can't split the 10K limit to 2 cards, etc etc. But I didn't really expect to get those 2 since everyone says it's practically impossible these days.

AMEX was amazing. Rep approved PRG then approved Delta then approved SPG (all consumer) and said SPG (biz) would just take a little more pending time, but could be approved soon hopefully. 1 rep did all that. Wow.

Citi approved Plat WMC (consumer) and got the ball rolling to hopefully approve Plat WMC (biz) but it took like 45 min on the phone. Wouldn't approve Visa Sig b/c it's too similar of a card to the Plat WMC (?) and it's too many AA program cards. HUCA got me the "2 cards in 60 days" speech - although I haven't officially been approved for the biz card yet.

So all in all, 5 out of 10 cards have been approved so far, and I really didn't expect the other 2 Barclays to work, so I'm calling it 5 out of 8 with hopes for 2 more :-)

10833
Credit Cards And Finance / Re: Misc Random Questions
« on: October 21, 2013, 02:59:48 PM »

10834
Credit Cards And Finance / Re: Barclays Reconsideration
« on: October 21, 2013, 02:45:58 PM »
you got approved?

Was applying for my first cards with them (3bm). They approved Lufthansa once I called to verify my address (I had given a diff address than the one on my credit report) but for the other cards they asked why I had so many new cards with other banks recently and didn't approve the other 2. Strange that they even asked that b/c they kinda accepted my response and then said we'll you're too knew to Barclays, so 1 card at 10K is enough to try out for now and no we can't split that 10K among 2 cards.

10835
Credit Cards And Finance / Re: Misc Random Questions
« on: October 21, 2013, 11:38:32 AM »
After calling, you got the approval?

I've only started the calling (it was an AOR so there are lots of call to make). Barclays said the main reason for denial was that the address didn't match the one on my credit report. So they approved 1 card.

10836
Credit Cards And Finance / Re: Barclays Reconsideration
« on: October 21, 2013, 10:20:01 AM »
Recon looked into my report and asked why I had so many cards from OTHER BANKS in the past year. So, yeah. Heads up with that.

10838
*CVS/pharmacy gift cards cannot be used online at CVS.com or to purchase
any other retailers’ gift card or prepaid card that CVS/pharmacy may carry

There we go! That was my question originally - can you use a CVS gc to buy a VR? Thanks. I'm sure someone will ask - source?

10839
How?... lolDisaster.

Lol b/c I didn't see any threads specifically on MR. 100ppd might be bad but if you read the article, this could be the start of using MR for purchases all over the place.

10840
Credit Cards And Finance / Re: My next app-o-rama...
« on: October 21, 2013, 09:44:39 AM »
Rookie mistake, never wait for the next day.

Probably. But it was midnight so 1) I was too tired to even attempt and 2) aren't recons closed on weekends and nights? At least Chase is...

10841
Credit Cards And Finance / Re: Citi Financial Review
« on: October 21, 2013, 09:43:33 AM »
Have you been to CVS?  :)
+1
CVS has Chase on speed dial

10842
Credit Cards And Finance / Re: Misc Random Questions
« on: October 21, 2013, 09:42:14 AM »
Thanks. I was nervous that by using a new address in the app they might see I had a different address already on file and auto-reject me. I went for it anyway, and yes, I was initially rejected. Reason? Billing address verification. LOL

10843
If this is a person's only option...
But ultimately you will have to pay the fee?! What am i missing?

Let's try this again and see if makes sense - Use Ink (to get 5x points) at Office Depot to buy let's say Best Buy gift cards that have NO fee and then go to the CVS swap website and for FREE exchange those gc's for CVS gc's and then buy VR cards with your new CVS gc's. So.... you should only have paid the VR $4 fee and still been able to do the online VR upload which seems MUCH more reliable than the gc-wm option.

10844
Credit Cards And Finance / Re: My next app-o-rama...
« on: October 21, 2013, 09:29:11 AM »
You did PUTPAC, right?  Don't burn those credit pulls.
A bit of putpac goes a long way... Be nice o the phone. I find that helps better then anything I say...
Of course I'm going to go for it (even got a voicemail from Barclays this morning), I was just waiting till morning.

10845
I figured this was the most appropriate thread to post this in...
"AMEX to allow paying for NYC taxis with Membership Rewards"
http://allthingsd.com/20131020/american-express-to-let-card-holders-pay-nyc-taxi-fares-with-membership-rewards-points/?mod=atdtweet

100 ppd

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