Misc Credit Card Questions

[yochiek93]

yes sorry meant that it doesnt make a difference if I let the statement close or not.  it shows up either way

It will hurt see the credit score thread http://forums.dansdeals.com/index.php?topic=96.msg1365886#msg1365886

[rockstarhockstar]

What bank besides for BarclayCard pulls transunion in either NY or MD? Also is there a specific card that is usually approved with a higher credit limit?

[David Smith]

yes sorry meant that it doesnt make a difference if I let the statement close or not.  it shows up either way

If i have a card with a 10k limit, and I spend 9.5k: if I pay off 9450, my statement and report will show a balance of $50, or 0.5% utilization, which is good for my credit score. If I let the statement close with that full $9500 balance, my statement and credit report will show $9500, or 95% utilization, which is a maxed out card and is harmful for my credit score.

[gubevo18]

thanks! was going to get a card that would have helped me big time but only if i were to use the full CL that i would presumably be extended. I guess that's out

[David Smith]

thanks! was going to get a card that would have helped me big time but only if i were to use the full CL that i would presumably be extended. I guess that's out

Get a business card, if possible.

[Venilla]

What bank besides for BarclayCard pulls transunion in either NY or MD? Also is there a specific card that is usually approved with a higher credit limit?

I've read Crapital One is giving big portions (with an inquiry on all three...)

[yochiek93]

What bank besides for BarclayCard pulls transunion in either NY or MD?

see Here

[rockstarhockstar]

I've read Crapital One is giving big portions (with an inquiry on all three...)

Firstly thanks for the response!

I actually just got approved for 10k on a quicksilver but they said they're gonna have to 'verify my information' first. I'm pretty much certain that they want proof of income [which I may not be able to provide]. Any other ideas?

[rockstarhockstar]

see Here

Thanks! Lol, I just discovered that link today, it's possible there are other options that aren't mentioned on that search thing.

[CS91]

Is there any way to refer someone and they will get the email right away? Cause with the csp it's takes a few days.

Instead of selecting to refer via email, select the option to share on Twitter or Facebook, and then just copy paste the link and send it to the person you want to refer. If they sign up through that link you'll get the referral bonus.

[rockstarhockstar]

see Here

Btw it is one of the most useful tools for AORs, I'm not taking away from that.

[yochiek93]

Btw it is one of the most useful tools for AORs, I'm not taking away from that.

I wasn't specifically going to that link check the wiki in that thread also

[rockstarhockstar]

I wasn't specifically going to that link check the wiki in that thread also

ok

[ezmk]

 does maxing out on a charge card ( the amount amex is willing to lend) effect your score?

[David Smith]

does maxing out on a charge card ( the amount amex is willing to lend) effect your score?

Shouldn't affect score, though it will show up as debt that is visible to manual reviewers.

[Cappy]

What bank besides for BarclayCard pulls transunion in either NY or MD? Also is there a specific card that is usually approved with a higher credit limit?

Probably the best reference on the net for this.

It's not targeted specifically for NY, but generally they are all TU pulls.

https://creditboards.com/forums/index.php?showtopic=512275&p=5083862

[rockstarhockstar]

Probably the best reference on the net for this.

It's not targeted specifically for NY, but generally they are all TU pulls.

https://creditboards.com/forums/index.php?showtopic=512275&p=5083862

Awesome!!!

[PillanSmye]

Firstly thanks for the response!

I actually just got approved for 10k on a quicksilver but they said they're gonna have to 'verify my information' first. I'm pretty much certain that they want proof of income [which I may not be able to provide]. Any other ideas?

Idea #1.  Don't lie about your income on your credit apps.

[rockstarhockstar]

Idea #1.  Don't lie about your income on your credit apps.

If one lives at home it is ok to include their parents' income on an app, unfortunately I don't think they'll give me a copy of their tax return.

[PillanSmye]

I've read Crapital One is giving big portions (with an inquiry on all three...)

With a frozen EX, you can get a CapOne approval off EQ and TU hits.