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This is the thread where you can ask any random question you have. Feel free to ask even the most basic questions that you otherwise might be embarrassed to ask. This is the thread for beginners, so veterans here will treat you nicely. Ask a beginner's Q in some other threads and no guarantee of that same treatment. ;)
People here want to help, so just have some patience, follow the tips below and hopefully someone will help you when they have a chance.

If you looking for a particular thread you once saw and can't find it, this is not the place to ask. Check out Help Me Find It and ask there.

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Click the blue reply button at the top or bottom of the page, type your question, and click post!

Some helpful tips for eliciting answers from other members:
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Author Topic: Questions and Help for BEGINNERS!  (Read 1756084 times)

Offline Einstein

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Re: Questions and Help for BEGINNERS!
« Reply #5280 on: September 07, 2015, 09:47:32 PM »
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Offline grodnoking

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Re: Questions and Help for BEGINNERS!
« Reply #5281 on: September 07, 2015, 09:56:31 PM »
Tapatalk shows a pic that says "you hate yourself" as this threads profile. Lol
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Offline ChaimMoskowitz

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Re: Questions and Help for BEGINNERS!
« Reply #5282 on: September 08, 2015, 09:48:53 AM »
What is need to go from Marriot Gold Elite to Plat Elite?
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Offline benjie1305

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Re: Questions and Help for BEGINNERS!
« Reply #5283 on: September 08, 2015, 09:51:31 AM »
Quote from: ChaimMoskowitz on September 08, 2015, 09:48:53 AM
What is need to go from Marriot Gold Elite to Plat Elite?

Explained pretty well here
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Offline Tom Brady

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Re: Questions and Help for BEGINNERS!
« Reply #5284 on: September 08, 2015, 10:05:49 AM »
Quote from: ChaimMoskowitz on September 08, 2015, 09:48:53 AM
What is need to go from Marriot Gold Elite to Plat Elite?
Is your question how to get from Marriott gold status to Platinum status (in which case Benjie1305 has you covered)?
Or is your question, what is the advantage in getting Marriott Platinum over gold?
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Offline Lazegotit

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Re: Questions and Help for BEGINNERS!
« Reply #5285 on: September 08, 2015, 11:01:08 AM »
I've heard that Chase has been more difficult recently when it comes to opening a 6th or 7th card (even when it's a different variety). Can anyone confirm such an experience? It obviously depends on the account-holder and credit history... but has anyone seen Chase recon being more difficult?
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Offline Marco Polo

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Re: Questions and Help for BEGINNERS!
« Reply #5286 on: September 08, 2015, 11:02:25 AM »
Quote from: Lazegotit on September 08, 2015, 11:01:08 AM
I've heard that Chase has been more difficult recently when it comes to opening a 6th or 7th card (even when it's a different variety). Can anyone confirm such an experience? It obviously depends on the account-holder and credit history... but has anyone seen Chase recon being more difficult?
I think it is more what your recent history looks like.
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Offline TimT

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Re: Questions and Help for BEGINNERS!
« Reply #5287 on: September 08, 2015, 11:03:38 AM »
Quote from: Lazegotit on September 08, 2015, 11:01:08 AM
I've heard that Chase has been more difficult recently when it comes to opening a 6th or 7th card (even when it's a different variety). Can anyone confirm such an experience? It obviously depends on the account-holder and credit history... but has anyone seen Chase recon being more difficult?
Many have reported that with the UR earning cards. If that happens there's not much to do about it. Unless if some of those 5 are au's that are on your report, then you could have the credit bureaus take them off.
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Offline BarryLincoln

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Re: Questions and Help for BEGINNERS!
« Reply #5288 on: September 08, 2015, 11:51:43 AM »
Quote from: TimT on September 08, 2015, 11:03:38 AM
Many have reported that with the UR earning cards. If that happens there's not much to do about it. Unless if some of those 5 are au's that are on your report, then you could have the credit bureaus take them off.

What does one need to say to have AU cards removed from report? 
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Offline Marco Polo

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Re: Questions and Help for BEGINNERS!
« Reply #5289 on: September 08, 2015, 11:52:36 AM »
Quote from: BarryLincoln on September 08, 2015, 11:51:43 AM
What does one need to say to have AU cards removed from report?
There were a couple of responses, but explaining it is not your liability or your account can do it.
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Offline ChaimMoskowitz

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Re: Questions and Help for BEGINNERS!
« Reply #5290 on: September 08, 2015, 12:02:19 PM »
Quote from: benjie1305 on September 08, 2015, 09:51:31 AM
Explained pretty well here
So gold doesn't give me a leg up to plat. Still need to spend 75k with or without it.  >:(
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Offline Josef.koney

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Re: Questions and Help for BEGINNERS!
« Reply #5291 on: September 08, 2015, 12:08:40 PM »
Trying to help my sis open first card.... she applied to discover got back report saying from trans u. "Proportions of account to credit limit or high credit on account" what does this mean?  She never had a card... she might have had a secondary but that person didn't ether have these problems. What should I do?
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Offline Marco Polo

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Re: Questions and Help for BEGINNERS!
« Reply #5292 on: September 08, 2015, 12:09:52 PM »
Quote from: Josef.koney on September 08, 2015, 12:08:40 PM
Trying to help my sis open first card.... she applied to discover got back report saying from trans u. "Proportions of account to credit limit or high credit on account" what does this mean?  She never had a card... she might have had a secondary but that person didn't ether have these problems. What should I do?
Have you seen her report. Is it possible there is some false/negative information on it?
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Offline Josef.koney

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Re: Questions and Help for BEGINNERS!
« Reply #5293 on: September 08, 2015, 12:11:12 PM »
Quote from: Marco Polo on September 08, 2015, 12:09:52 PM
Have you seen her report. Is it possible there is some false/negative information on it?
Tried getting it but "they can't verify the information given" shouldn't speak to someone?  Is there anyway to get through to a operator?
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Offline Marco Polo

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Re: Questions and Help for BEGINNERS!
« Reply #5294 on: September 08, 2015, 12:19:40 PM »
Quote from: Josef.koney on September 08, 2015, 12:11:12 PM
Tried getting it but "they can't verify the information given" shouldn't speak to someone?  Is there anyway to get through to a operator?
Could mean there is some kind of an issue. Try Google.
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Offline Josef.koney

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Re: Questions and Help for BEGINNERS!
« Reply #5295 on: September 08, 2015, 12:23:12 PM »
Quote from: Marco Polo on September 08, 2015, 12:19:40 PM
Could mean there is some kind of an issue. Try Google.
Tried no real number to call
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Offline D93

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Re: Questions and Help for BEGINNERS!
« Reply #5296 on: September 08, 2015, 12:44:45 PM »
Quote from: Josef.koney on September 08, 2015, 12:11:12 PM
Tried getting it but "they can't verify the information given" shouldn't speak to someone?  Is there anyway to get through to a operator?
You got the error when you tried getting all 3 reports?
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Offline Josef.koney

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Re: Questions and Help for BEGINNERS!
« Reply #5297 on: September 08, 2015, 12:46:27 PM »
Quote from: D93 on September 08, 2015, 12:44:45 PM
You got the error when you tried getting all 3 reports?
Yes. When they get "info from public records..." it for some reason wasn't excepted
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Offline coralsnake

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Re: Questions and Help for BEGINNERS!
« Reply #5298 on: September 08, 2015, 03:59:32 PM »
Quote from: Josef.koney on September 08, 2015, 12:08:40 PM
Trying to help my sis open first card.... she applied to discover got back report saying from trans u. "Proportions of account to credit limit or high credit on account" what does this mean?  She never had a card... she might have had a secondary but that person didn't ether have these problems. What should I do?
Go to TU and get a copy of her report based on denial of credit.

Does she have any other credit? Student loans, car loans loans etc...?

 If not, it is likely that this is an error because she has no credit.
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Offline Josef.koney

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Re: Questions and Help for BEGINNERS!
« Reply #5299 on: September 08, 2015, 06:38:57 PM »
Quote from: coralsnake on September 08, 2015, 03:59:32 PM
Go to TU and get a copy of her report based on denial of credit.

Does she have any other credit? Student loans, car loans loans etc...?

 If not, it is likely that this is an error because she has no credit.
There is nothing on the credit report. Could it be that there is a mistake? How do I go about that?
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