Show Posts

This section allows you to view all posts made by this member.


Messages - jsk173

Pages: 1 2 3 4 5 6 [7] 8 9 10 11 12 13 ... 44
91
Credit Cards / Re: Chase Reconsideration
« on: January 08, 2017, 09:14:40 PM »
None of that matters. All that matters is what's on her credit reports.

92
Credit Cards / Re: Chase Reconsideration
« on: January 08, 2017, 02:12:54 AM »
The one AU card is literally the only thing on her credit reports? Not even any old, closed accounts?

93
Credit Cards / Re: Chase Reconsideration
« on: January 08, 2017, 12:04:37 AM »
What's the harm in asking for that? What other options do I have that would make them change their minds?

If it was simply a matter of offering a lower credit limit, Chase would have done that and many Chase cards have a minimum credit limit of $5,000, so often there's only so low they can go.

If the only thing on your wife's credit reports is a single AU account, you're probably going to have a hard time getting a Chase recon rep to give her a $5,000 credit limit.

94
Credit Cards / Re: Chase Reconsideration
« on: January 06, 2017, 08:24:03 PM »
My wife applied for both Chase Southwest personal cards using the MBM method, and was rejected for both (officially, we will get a written reply within 7-10 days).

I am not sure of my wife's credit, but she has no credit cards of her own (although she is an AU on a few of mine), so it's safe to assume that she has little to no credit (but not bad credit).

If you added her as an AU to five or more cards within the past two years, she's in violation of Chase's so-called "5/24" rule (i.e., five or more cards in the past 24 months) and might have been rejected for that alone.

If she literally has no credit accounts of her own, she's probably going to have a hard time getting approved for one $5,000 Chase card, let alone two. (I believe the Southwest cards have a $5,000 minimum credit limit; not positive.)

95
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 01:19:08 AM »
All you want to do is argue so have a nice day.  :)

Not at all. Why not spell out your point? I've asked you twice to clarify the exchange I quoted above.

Again, if it's a bad idea for this guy to do this once, when part of the charge was made to the card he planned to use (i.e., when he has a semi-plausible excuse), then it's unclear how it could be a good idea when none of the purchase was made to a card.

96
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 01:16:32 AM »
Because your view is different from this one.  ;)

That wasn't at all your point, as I just showed one comment above.

If it's a bad idea for this guy to do this once, when part of the charge was made to the card he planned to use, then it's unclear how it could be a good idea when none of the purchase was made to a card.

97
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 01:10:10 AM »
I am not arguing anything. You are just interpreting what I said wrong.

How so? Unless you know for a fact that this guy has already done this previously on the same card(s), he'd be operating within your "less is more" principle.
 
Comment: "What if part of the purchase was charged to the card?"
JTZ: "Does not matter."

I don't see how I'm misinterpreting anything.

98
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 01:02:06 AM »
What I said is many FI's will not like it and shut you down.

I made that point before you did, so it's unclear what you're arguing.

99
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 01:00:26 AM »
His point was to be careful, not to never do it.

That's not at all how his reply to you read.

In fact, he said it was a bad idea even when a part of the charge was made to the same card.

100
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 12:58:31 AM »
See my signature. It is also a gray area.

Big difference between "less is more" and not doing something ever, which seemed to be your advice just a few minutes ago.

101
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 12:51:57 AM »
There are other reasons bloggers aren't telling people to do that.

Such as?

102
Credit Cards / Re: Misc Credit Card Questions
« on: January 03, 2017, 12:50:28 AM »
If this was no big deal, every blog in the churning world would be telling people to meet minimum spend by buying a laptop on a new card and returning it on an older card.

I'm curious why the return can't be made to the original card. Ordinarily, returns and refunds can be made to even closed cards.

103
Credit Cards / Re: Misc Credit Card Questions
« on: January 02, 2017, 09:05:53 PM »
I thought banks hate refunds to cards that weren't used for the purchase? I know people have had checking accounts closed because of such refunds.

104
Credit Cards / Re: Bank of America Reconsideration
« on: January 01, 2017, 10:28:35 PM »
I definitely have a BofA app pending, per a live rep, but nothing shows up on the app status page for me.

105
Credit Cards / Re: Chase UR settlement.
« on: January 01, 2017, 10:26:45 PM »
How many claimants do you think there will be? Do you lose the right to your points when filing a claim in this lawsuit?

No idea re: the first question, but the payout is already capped at 1 cent each and will likely be far lower. As for the second question, I've never seen a case like this where a person can make a claim and then file a subsequent claim. Anyone who goes in for this is almost assuredly forfeiting any future legal claims.

Pages: 1 2 3 4 5 6 [7] 8 9 10 11 12 13 ... 44