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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. ;)
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Author Topic: Questions and Help for BEGINNERS!  (Read 1753309 times)

Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #60 on: June 22, 2012, 07:32:12 PM »
Quote from: jj1000 on June 22, 2012, 07:27:15 PM
YMMV :P (Which bank/s?)

Woops, Chase.
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Online AsherO

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Re: Questions and Help for BEGINNERS!
« Reply #61 on: June 22, 2012, 07:36:30 PM »
Quote from: sky121 on June 22, 2012, 07:32:12 PM
Woops, Chase.

If you're reporting income, have a nice score, and not too many outstanding CLs/cards, you should wait 60 days (at very least 30 days) since your last Chase app to apply. Once applying, consider doing a 2/3bm to get the most out of the credit pull.
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #62 on: June 22, 2012, 08:41:47 PM »
Thanks. It all worked out. Closed a United card. Then reapplied for it again. Probably not the smartest thing in the world to do. I couldn't claim I needed two for spending because I haven't used it in forever on that persons account. And so many of the accounts still have United cards or even two since the Continental ones turned into United also. I want to keep taking advantage of the 55,000 offer right now.
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Offline YakovT

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Re: Questions and Help for BEGINNERS!
« Reply #63 on: June 23, 2012, 09:20:19 PM »
does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #64 on: June 23, 2012, 10:21:11 PM »
Quote from: YakovT on June 23, 2012, 09:20:19 PM
does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282

I think it does if you are a joint user.
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #65 on: June 27, 2012, 05:32:40 PM »
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?
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Offline U-no-me!

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Re: Questions and Help for BEGINNERS!
« Reply #66 on: June 27, 2012, 05:40:24 PM »
Quote from: sky121 on June 27, 2012, 05:32:40 PM
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

I'm not sure I understand your question correctly. It seems as if your asking to do a 2bm when you only have 1 active card? if that's indeed the question, why would it make a differnce. do a 2bm.
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Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #67 on: June 27, 2012, 05:48:31 PM »
Quote from: sky121 on June 27, 2012, 05:32:40 PM
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

You don't *have* to have 2 cards to do a 2BM. That would only be true if working off the premise that for one to be approved for a 2BM, you'd have to close one old card in favor of a new card. But you don't.

If you only have one card, either your CR can support an additional 1 (or 2 depending on how you look at it), or it won't. But prepare to recon.
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Offline Zeeeeks

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Re: Questions and Help for BEGINNERS!
« Reply #68 on: June 28, 2012, 10:55:21 AM »
After closing a card, how long do you need to wait before reapplying for the card again?
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Offline sky121

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Re: Re: Questions and Help for BEGINNERS!
« Reply #69 on: June 28, 2012, 11:09:56 AM »
Quote from: Zeeeeks on June 28, 2012, 10:55:21 AM
After closing a card, how long do you need to wait before reapplying for the card again?
I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.
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Offline Zeeeeks

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Re: Re: Questions and Help for BEGINNERS!
« Reply #70 on: June 28, 2012, 11:12:46 AM »
Quote from: sky121 on June 28, 2012, 11:09:56 AM
I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.
Did you get the new card approved?
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Offline sky121

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #71 on: June 28, 2012, 11:17:31 AM »
Quote from: Zeeeeks on June 28, 2012, 11:12:46 AM
Did you get the new card approved?
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
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Offline Zeeeeks

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #72 on: June 28, 2012, 11:18:07 AM »
Quote from: sky121 on June 28, 2012, 11:17:31 AM
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
Thanks :)
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Offline Avid Reader

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Re: Questions and Help for BEGINNERS!
« Reply #73 on: June 28, 2012, 11:27:36 AM »
Quote from: sky121 on June 28, 2012, 11:17:31 AM
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
Which bank, Chase?
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Offline sky121

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Re: Re: Questions and Help for BEGINNERS!
« Reply #74 on: June 28, 2012, 11:28:55 AM »
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Offline pianodude

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Re: Questions and Help for BEGINNERS!
« Reply #75 on: June 28, 2012, 02:42:46 PM »
Quote
After closing a card, how long do you need to wait before reapplying for the card again?

Did one after an hour. And a different one a day after. The later was an instant approval.

Which bank, Chase?

Yup.


Which card(s) with Chase?
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #76 on: June 28, 2012, 02:44:38 PM »
Quote from: pianodude on June 28, 2012, 02:42:46 PM
Which card(s) with Chase?

United Explorer.
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #77 on: June 28, 2012, 02:45:16 PM »
Is trading miles allowed on the forums? I have some Amex I need to swap for UR points.
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Offline pianodude

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Re: Questions and Help for BEGINNERS!
« Reply #78 on: June 28, 2012, 02:53:15 PM »
Quote from: sky121 on June 28, 2012, 02:44:38 PM
United Explorer.

Have you closed/reapplied with other banks, Amex, etc.?  What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #79 on: June 28, 2012, 02:54:49 PM »
Quote from: pianodude on June 28, 2012, 02:53:15 PM
Have you closed/reapplied with other banks, Amex, etc.?  What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

I've only done the United about 3/4 times.
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