Getting Started

[mmermss]

called once, they told me as i have no credit history, they dnt give cc's on faith. was advised in another topic that there is no point in huca

I would say it does not hurt to call a few times. HUCA has worked wonders. If that fails then start with a student card or store card.

[MEIR613]

I would say it does not hurt to call a few times. HUCA has worked wonders. If that fails then start with a student card or store card.

+1

[MAJ]

Ok tx, if they say the same thing though, do I have a play, or just Huca right away?

[mmermss]

Ok tx, if they say the same thing though, do I have a play, or just Huca right away?

HUCA right away. Try to give them good reasons to get them to approve you.

[YT]

OK,
I've really looked around DDF for a couple weeks now and I havent found a post actually discussing the process of churning.
1. Is churning just applying for a card, then canceling it before the annual fee, then reapplying for it to get more of the bonus signup points?
2. If this is it- dont the CC companies see that you just canceled the card and want to re-open it the next day?

TIA

[rots5]

OK,
I've really looked around DDF for a couple weeks now and I havent found a post actually discussing the process of churning.
1. Is churning just applying for a card, then canceling it before the annual fee, then reapplying for it to get more of the bonus signup points?
2. If this is it- dont the CC companies see that you just canceled the card and want to re-open it the next day?

TIA

http://forums.dansdeals.com/index.php?topic=18962.msg397008;topicseen#msg397008

[YT]

http://forums.dansdeals.com/index.php?topic=18962.msg397008;topicseen#msg397008

Shkoyach.....i re-asked the question there and got the answer...

[rots5]

Shkoyach.....i re-asked the question there and got the answer...

glad to hear, if u ever need anything else pls ask! its ok to even ask in the wrong thread - but start off saying (i searched and cant find - but dont want to start a new thread) gl with all

[yuneeq]

Just wondering- when I applied for my first CC three or four years ago (Amex starwood) I was approved right away to a 20k credit line.

Is that normal?

[Saver2000]

Just wondering- when I applied for my first CC three or four years ago (Amex starwood) I was approved right away to a 20k credit line.

Is that normal?

Were you an AU on someone elses card?

[yuneeq]

Were you an AU on someone elses card?

To the best of my knowledge, never was added on an AMEX card, but possibly/probably on a MC.

[mmermss]

To the best of my knowledge, never was added on an AMEX card, but possibly/probably on a MC.

Have you ever checked your credit report?

[yuneeq]

Have you ever checked your credit report?

Last year I did. It was all clean with a score above 750.

[mmermss]

Last year I did. It was all clean with a score above 750.

With just one Amex on file?

[yuneeq]

With just one Amex on file?

Actually, the SW I closed before I did the report. Though, I did have a 37k credit line (with very low usage) at the time of the report from two other cards  I applied for after the SW.

[YT]

is MY FICO is a legit credit check?
I apparently opened a gap card in 2009, bought and paid for a couple items, and now my credit is a 773. Does that mean i would probably get approved immediately for pretty much all cards?