Misc Credit Card Questions

[rockstarhockstar]

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.

But thanks for the tip

[PillanSmye]

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.

#1. If you are over 21

#2.  If their income can be relied upon to pay your bill.  If they told you theyll pay your bills, they'll understand that you need their returns

[PillanSmye]

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?

Freeze EX and EQ and apply for anything you want (other than AMEX).  If the UW's refuse to pull TU, ask for the application to be rescinded.

[David Smith]

Freeze EX and EQ and apply for anything you want (other than AMEX).  If the UW's refuse to pull TU, ask for the application to be rescinded.

More creditors pull EQ than TU in NY?

[Cappy]

More creditors pull EQ than TU in NY?

I will list my experiences with some bigger banks. I live in NY. YMMV... (Adding some misc notes)

AMEX: EX 100% ( have heard of someone getting a TU pull when Amex system was down. Maybe Pilan or Mendel can chime in about it if they remember.. Not sure which state)

Barclays: TU 100%  ( friend who also lives in ny had EX and TU as a double pull. His report was pretty weak at the time.)

Bank of America: EX and TU. (Freeze Ex and put app through. Call into an UW and ask them to pull TU. Always been TU pulls for CLI's)

Capital One: triple pull (can freeze some bureaus and experiment. Usually needs minimum 2)

Citi: EX and EQ ( have had luck with freezing Ex and getting a EQ pull)

Chase: EX 100% (some have had luck with going through the chase prequalified site and freezing ex to get a TU pull.)

Discover: EQ 100%

Hope this helps someone

[TimT]

I will list my experiences with some bigger banks. I live in NY. YMMV... (Adding some misc notes)

AMEX: EX 100% ( have heard of someone getting a TU pull when Amex system was down. Maybe Pilan or Mendel can chime in about it if they remember.. Not sure which state)

Barclays: TU 100%  ( friend who also lives in ny had EX and TU as a double pull. His report was pretty weak at the time.)

Bank of America: EX and TU. (Freeze Ex app and call into an UW and ask them to pull TU. Always been TU pulls for CLI's)

Capital One: triple pull (can freeze some bureaus and experiment. Usually needs minimum 2)

Citi: EX and EQ ( have had luck with freezing Ex and getting a EQ pull)

Chase: EX 100% (some have had luck with going through the chase prequalified site and freezing ex to get a TU pull.)

Discover: EQ 100%

Hope this helps someone

Matches with the wiki here

[Cappy]

Matches with the wiki here

Except I didn't look at the wiki. I typed it out on my own.

Everything on the top of my head

[TimT]

Except I didn't look at the wiki. I typed it out on my own.

Everything on the top of my head

Well done

[David Smith]

I will list my experiences with some bigger banks. I live in NY. YMMV... (Adding some misc notes)
Hope this helps someone

So then why would someone freeze EQ over TU?
(I've gotten chase EQ and TU without prequal, and discover TU, but i haven't heard of similar common data.)

[Cappy]

That wiki is missing the TU PULL for BOA when freezing EX and calling into an UW and requesting the TU pull

[Cappy]

So then why would someone freeze EQ over TU?

Not sure what you were trying to quote there, but there are reasons why someone would want one pull over another.

1 report is cleaner than another for example

There are other reasons as well

[David Smith]

Not sure what you were trying to quote there, but there are reasons why someone would want one pull over another.

1 report is cleaner than another for example

There are other reasons as well

I was trying to post all your comprehensive data points without making a huge quote that nobody wants to scroll through. I was just wondering that as your data pretty clearly shows, TU pulls are much more common than EQ. I was wondering why he said as a general rule to freeze EX and EQ and try for a TU pull, instead of EX and TU and hope for EQ.

[Cappy]

I was trying to post all your comprehensive data points without making a huge quote that nobody wants to scroll through. I was just wondering that as your data pretty clearly shows, TU pulls are much more common than EQ. I was wondering why he said as a general rule to freeze EX and EQ and try for a TU pull, instead of EX and TU and hope for EQ.

PM me

[eli10]

the jet blue amex credit card is breaking up as of Dec 31, 2015. does anybody know if  the amex memership rewards program is also dropping jet blue as of dec 31,2015?

[PillanSmye]

More creditors pull EQ than TU in NY?

If you read what I responded to, the person was asking specifically about TU pulls for NY.

[PillanSmye]

PM me

dont do it Cappy 

[PillanSmye]

I was trying to post all your comprehensive data points without making a huge quote that nobody wants to scroll through. I was just wondering that as your data pretty clearly shows, TU pulls are much more common than EQ. I was wondering why he said as a general rule to freeze EX and EQ and try for a TU pull, instead of EX and TU and hope for EQ.

Who said as a general rule?' I never said that.  I made a suggestion to a specific person with a specific question.

[Marko Rubio]

dont do it Cappy 

hey what trick are u guys keeping a secret?

[Maxdeck123]

Hey guys,

I just bought a 300 dollar GC. I thought the last 4 digits act as a pin for ATM withdrawals, is that true?
Otherwise how can I manufacture the money?

[gubevo18]

hey what trick are u guys keeping a secret?

+1 enlighten us PM's welcome