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Topics - compddd

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Credit Cards / Disappearing hard inquiries?
« on: October 16, 2012, 09:36:41 AM »
Summary: Did app-o-rama with BofA, Barclays, Chase on my TU. Got 1 pull for BofA for my 2BM, and 1 pull for Chase for my 2BM there, but my Barclays 2BM got me 2 pulls. However I was only approved for one of the cards in my Barclays 2BM.

However now Credit Karma is saying I only have 3 hard inqs on my TU. Did the extra one from Barclays drop off? Anyone else have that happen to them?

Credit Cards / Amex AUs
« on: October 12, 2012, 10:07:37 AM »
I added 5 AUs to my SPG (I didn't give them socials when I called to add them, I told the rep I didn't have them).

I got the cards in the mail and when I go to it says we are unable to activate your Card at this time. Please call the 1-800# referenced on the sticker on the front of your card for activation.

I thought I read on here that people add bogus AUs all the time without socials and it worked fine?

Credit Cards / How Amex treats CC
« on: August 25, 2012, 10:52:40 AM »
I opened a SPG with Amex last month, but I just pulled my credit report and it says the date of opening is 07/2011

Does Amex go by the date you first opened a card with them period?

Credit Cards / Starwood AMEX Master Thread
« on: July 09, 2012, 03:26:40 PM »
To sign up:



Has anyone heard anything about the 30k deal coming back? Or should I just apply for the 25k?

Credit Cards / What do I do with a Citi AA card I don't want anymore?
« on: June 26, 2012, 02:14:34 PM »
The fee is about to hit and I'd like to churn the AA in 18 months or so, but Citi won't let me downgrade to anything except an AA Bronze card.

What should I do? Card has a $9,000 limit

Credit Cards / Starwood 25k offer going away?
« on: June 12, 2012, 09:25:19 PM »
Just got an email saying the 25k SPG offer is going away after July 8, 2012

Is it true? :(

Credit Cards / Consolidating CLs with Chase
« on: March 03, 2012, 03:46:21 PM »
Is it ok if I ask Chase to close my plain Sapphire WMC and Ink Bold and transfer the CLs to my Freedom card? That would give me leverage in the future for opening up new cards correct?

I put 30k into a TD Ameritrade trading account, and I bought 30k worth of stocks, but it says I still have 19k of stock buying power left since I have a margin account.

Should I take advantage of it and buy some more stocks?

Credit Cards / Chase checking coupons
« on: January 09, 2012, 08:41:30 PM »
I opened a new Chase Total Checking account last week with a $150 coupon, and sure enough today I received a $200 coupon in the mail.

Any chance I could go into a branch and get the difference or have them apply the $200 coupon code to my new checking account?

Credit Cards / Should I use all of my credit cards at least once a month?
« on: November 14, 2011, 09:54:00 PM »
and then pay them off asap? Will it get my credit score higher?

Credit Cards / Chase Checking + Ink Bold = 20% more points?
« on: October 24, 2011, 10:04:54 PM »
Just got this letter from Chase today:

"Since you have a Chase Checking account and Ink Bold business charge card, you now earn 20% more points on everything."

Anyone else gotten this in the mail?

When you get approved for a new Chase card, does it usually show up right away in your online account? Or does it not show up until after you receive the card and activate it?

Credit Cards / Credit freezing affects mailing list?
« on: August 10, 2011, 09:00:43 PM »
I froze my EXP and EQ last week and I got a letter in the mail today from EXP saying they had removed me from the pre-approved credit offer mailing lists for 5 years.

I never requested this? Did they do it automatically because I froze my credit report? I had to call a number and opt back in, pain in the butt.

Anyone else had this happen to them?

Credit Cards / Froze my Exp and EQ, doing a Chase Southwest app + ??
« on: August 05, 2011, 11:17:58 AM »
Should I app for any others? I already got the Sapphire 100k and Freedom card, and I've gotten Amex PR Gold, Bus Gold, Plat and Citi Visa AA in the past 3 months. I'm sort of afraid to do any more.

Is there anything even worthwhile to go for besides the Southwest?

Credit Cards / Chase Trifecta
« on: July 25, 2011, 09:24:00 AM »
Dan posted:

"The Trifecta: If you have a Chase Freedom card, a Chase checking account, and a Sapphire Preferred card then you can earn 10 points per transaction and 5 points per dollar in rotating categories and then you can transfer those points into extremely valuable Continental miles or Hyatt points!"

I have all three of these, but I don't understand how it works? If I use my Sapphire preferred I get 10 points per transaction on anything I buy?

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