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« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 1737666 times)

Offline Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #660 on: March 04, 2013, 09:51:08 PM »
I just got a refund on Amazon to a card that was closed already. What happens?  It's an amex and I have other Amex cards. Was just refunded, so nothing on card yet.

Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #661 on: March 04, 2013, 09:51:15 PM »
after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
No. 
Try now.
It's not about the quantity of your posts.  It's about the quality.

Offline Zalmy2

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Re: Questions and Help for BEGINNERS!
« Reply #662 on: March 04, 2013, 09:58:31 PM »
No. 
Try now.
any point of trying when they only approved 1 by transferring and they don't really have much to transfer now?

Offline judahk88

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Re: Questions and Help for BEGINNERS!
« Reply #663 on: March 04, 2013, 10:25:06 PM »
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?

Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #664 on: March 04, 2013, 10:25:36 PM »
any point of trying when they only approved 1 by transferring and they don't really have much to transfer now?
Yes.  How much CL on each card?
It's not about the quantity of your posts.  It's about the quality.

Offline daganster

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Re: Questions and Help for BEGINNERS!
« Reply #665 on: March 05, 2013, 12:00:06 AM »
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?
IME you'll only have an issue if you carry a balance i.e. having debt, other than that by solely opening cards you shouldn't have an issue. Nonetheless, if you’re planning on applying for a mortgage in the near future maybe you should hold off because your score can go down a bit by applying.

Offline Zalmy2

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Re: Questions and Help for BEGINNERS!
« Reply #666 on: March 05, 2013, 12:40:10 AM »
Yes.  How much CL on each card?


after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?

Offline Saver2000

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Re: Questions and Help for BEGINNERS!
« Reply #667 on: March 05, 2013, 12:42:38 AM »
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?
Besides for what daganster said, you'll also have an issue if you have to many recent inquiries.
Inquiries fall off after 2 years, so if you don't plan on applying for mortgage within 2 years then this isn't something to worry about. 

Offline judahk88

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Re: Questions and Help for BEGINNERS!
« Reply #668 on: March 05, 2013, 08:23:32 AM »
Besides for what daganster said, you'll also have an issue if you have to many recent inquiries.
Inquiries fall off after 2 years, so if you don't plan on applying for mortgage within 2 years then this isn't something to worry about.
Thanks.  Probably gonna apply for her. she only has 1  card in her name now.

Offline Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #669 on: March 05, 2013, 09:04:45 AM »
I just got a refund on Amazon to a card that was closed already. What happens?  It's an amex and I have other Amex cards. Was just refunded, so nothing on card yet.

bump

Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #670 on: March 05, 2013, 09:26:22 AM »
bump

They will most probably send you out a check or credit it to one of your other accounts.
"Not all who wander are lost"

Offline Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #671 on: March 05, 2013, 09:58:04 AM »
They will most probably send you out a check or credit it to one of your other accounts.

Thanks. Who, Amex?

Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #672 on: March 05, 2013, 10:02:54 AM »
"Not all who wander are lost"

Offline Zalmy2

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Re: Questions and Help for BEGINNERS!
« Reply #673 on: March 07, 2013, 08:51:58 PM »
after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
I keep calling and they keep saying we see few guys reviewd your account and I can only say what they said.. the last guy asked if anything changed since last time I called... should I give up? Anything to tell them to make them change their mind?

Offline Achas Veachas

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Re: Questions and Help for BEGINNERS!
« Reply #674 on: March 08, 2013, 01:15:04 PM »
I keep calling and they keep saying we see few guys reviewd your account and I can only say what they said.. the last guy asked if anything changed since last time I called... should I give up? Anything to tell them to make them change their mind?
Try calling a few times about something unrelated so the notes from these calls get pushed back where they won't notice them.

Offline Zalmy2

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Re: Questions and Help for BEGINNERS!
« Reply #675 on: March 08, 2013, 04:01:56 PM »
Try calling a few times about something unrelated so the notes from these calls get pushed back where they won't notice them.
what else can you call chase business consideration besides considering an app? Or if I call the regular number in back of card for anything it'll also push back their notes?

Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #676 on: March 10, 2013, 11:24:40 AM »
Can a targeted 100k Amex offer be used by a different family member? Can it be used more than once?
Only on DDF does 24/6 mean 24/5/half/half

Offline Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #677 on: March 10, 2013, 11:56:07 AM »
Can a targeted 100k Amex offer be used by a different family member? Can it be used more than once?

No AFAIK.

Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #678 on: March 10, 2013, 12:29:15 PM »
Only on DDF does 24/6 mean 24/5/half/half

Offline Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #679 on: March 10, 2013, 01:07:21 PM »