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Messages - jsk173

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Just Shmooze / Re: Link to popcorn threads.
« on: January 20, 2017, 06:50:53 PM »
Correct, although LOL guy is too innocent of a name for this abusive jerk.

Yes, I'm an "abusive jerk" for pointing out that a liar committed insurance fraud. Sure.

Credit Cards / Re: credit score
« on: January 19, 2017, 12:48:10 AM »
When she submits her new info. or a creditor updates her file.

Up In The Air / Re: TSA Precheck
« on: January 19, 2017, 12:43:15 AM »
Update: Just talked with TSA Pre CSR: application fee has to be paid at the time of interview, no online payment possible.

This is odd. For GE, the fee is non-refundable for people who don't even make it to the interview stage.

Up In The Air / Re: Amex Platinum Benefit-Global Entry
« on: January 16, 2017, 07:39:02 PM »
what happens if someone misses their global entry appointment ? who do they need to call (several months later)?

Missing a G.E. appointment is grounds for having the entire G.E. application nullified, with a new application and fee needing to be paid. Some people get lucky and others don't.

Credit Cards / Re: credit score
« on: January 16, 2017, 07:08:44 PM »
But you said it will.  It was your own words. Why are you contradicting yourself? Remember,  will is to express an inevitable event.

The statement plainly didn't apply to anyone with zero utilization, since one's utilization will there's that word again never increase if the numerator is zero.

Credit Cards / Re: credit score
« on: January 16, 2017, 06:59:25 PM »
You want definitions?

willl  wɪl
expressing inevitable events.

For the third or fourth time, one's utilization can't possibly increase if the numerator is zero.

This really isn't hard. Not sure why you self-styled "experts" are making it so hard.

Up In The Air / Re: TSA Precheck
« on: January 16, 2017, 06:57:17 PM »
I thought applicants had to pay the TSA fee as part of the application submission, so your situation seems odd. If, however, you did manage to apply without paying, trying to use someone else's card/number to pay (in person) would be very unwise, unless, perhaps, the cardholder accompanies you to the appointment.

Credit Cards / Re: Chase A/A Master Thread (Now With Poll)
« on: January 16, 2017, 06:52:01 PM »
"Reputational risk" suggests Chase uncovered a legal problem(s) of some sort. Has your friend ever been sued or arrested?

Credit Cards / Re: Chase Reconsideration
« on: January 16, 2017, 06:49:20 PM »
CPC is reportedly dead as a 5/24 bypass. In-branch approvals are the only way right now.

Credit Cards / Re: credit score
« on: January 16, 2017, 06:37:17 PM »
Then with your 3rd grade math you understand your blanket stament is wrong. In case you forgot here it is again.

The blanket statement wasn't wrong, for the reason I just stated.

Definitionally, a person with $0 balances on all CCs has no utilization. This isn't hard.

Credit Cards / Re: credit score
« on: January 15, 2017, 07:34:19 PM »
I am not resurrecting anything. I am pointing out your blanket statement is wrong. We are here to help each other not to provide false information like you have done in this instance.

There was no false information given. Anyone with a 3rd-grader's understanding of math knows that utilization can't increase if the numerator is zero.

Credit Cards / Re: Citi Prestige Card
« on: January 15, 2017, 04:51:09 AM »
I just called Citi to transfer credit limit from one card to another. They said it can't be done without a hard pull. Any way to have it done without?

Citi doesn't transfer CL; they do a CLD and then a corresponding CLI, which is why they do the hard pull. If you've had a recent hard pull with Citi, you might be able to get them to do it with that pull.

Credit Cards / Re: credit score
« on: January 15, 2017, 04:45:47 AM »
Whenever someone points out something that is not right you come back with the same dishonest BS remark. Just admit you make a mistake and move.


Here is a prime example of the blanket statements.I can close ten of my cards and my utilization will not increase. I guess I am being dishonest?  ::)

We've been through this already. Not sure why you resurrected it, and not interested in going in circles with you.

Credit Cards / Re: credit score
« on: January 14, 2017, 12:19:53 AM »
You're the one who keeps bringing the $2 trick up and all your other garbage.

False. The guy who posted reply #3407 mentioned leaving "a dollar or two" reporting on his cards, which was plainly a reference to the $2 trick.

You make statements like,  "Any FICO dip due to utilization this month will be gone next month once paid down or paid off. It might be gone even sooner, in the cases of banks like Chase that update mid-cycle when balances are paid to $0."   

And then you contradict yourself with,  "LOL. If you're trying to make a pedantic point that one's FICO might not be *exactly* the same a month later, sure, but except for people in the 600s or maybe very low 700s, no one's getting or not getting a CC because of a 5-point swing in their FICO."

Is that a "goal post shift"?   Switching from any dip will be gone in a month...even sooner,  to talking about 5 point swings for CC approvals?

No, it's not a "goalpost shift," since it's the same topic. Unless you think your pedantic point that the hypothetical person's FICO score won't be *exactly* the same pre- and post-utilization reporting, it's unclear what you're even arguing. Even with $0 utilization every month, one's FICO score is subject to minor increases or decreases due to AAoA and/or other factors.

All the knowledge is available for you to educate yourself.   Just please don't give false information to those who are trying to educate themselves and make more informed decisions.

I've given zero "false information" here. Stop being so dishonest. It's unbecoming.

Credit Cards / Re: credit score
« on: January 13, 2017, 09:11:29 PM »
There's no concession.  You are just uneducated about FICO scoring.  I might as well be debating with my 4 year old about this.

Sure. You couldn't point out the "blanket statement" you insisted I made, which makes *me* similar to a 4-year-old. Got it.

While you're at it,  make sure to look at Bob's charts comparing FICO scores and initial credit line approvals.  While a 720 or an 830 might have the same approval chances,  the higher scores generally get initial higher credit lines.  That will be helpful for you if you ever decide to MS for something other than a sign up bonus and maybe then you'll have substantial enough available credit to see how some people can close $40K cards and not have their scores affected.

Goalpost shift. Nobody was talking about MSing. For such a self-styled expert, you sure seem to have a hard time staying on topic and addressing claims head on.

Anyway, the above is funny. One minute closing a $25,000 CL doesn't matter; the next, really high CLs are important for MSing. I guess big CLs are important, until they're not or something.

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