Author Topic: Misc Credit Card Questions  (Read 1171747 times)

Offline yuguy

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Re: Random Credit Card Questions
« Reply #300 on: February 23, 2015, 11:38:23 PM »
so witch card are suggesting

New in the game--only one card, right?

I would do british and SW or two southwest cards of you have use of the companion pass.
« Last Edit: February 23, 2015, 11:43:11 PM by yuguy »

Offline yuguy

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Re: Random Credit Card Questions
« Reply #301 on: February 23, 2015, 11:42:15 PM »
FYI, there have been no recent reports of success with Chase more than 2 cards in 30 days. I'll link to Clear thinker's solution of calling to recon after 10 days or so, having denial for same reason but no new pull, then call on day 31 and use same original pull and get approved.

I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.

Offline rs242

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Re: Random Credit Card Questions
« Reply #302 on: February 23, 2015, 11:42:36 PM »
Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG

Online TimT

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Re: Random Credit Card Questions
« Reply #303 on: February 23, 2015, 11:44:01 PM »
Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG
PRG- premier rewards gold from amex. It's a MR earning card

Offline noturbizniss

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Re: Random Credit Card Questions
« Reply #304 on: February 23, 2015, 11:44:35 PM »
I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.
Have you confirmed that it was not a new pull?
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Online TimT

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Re: Random Credit Card Questions
« Reply #305 on: February 23, 2015, 11:45:31 PM »
sorry but what's MR?
membership rewards

Offline yuguy

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Re: Random Credit Card Questions
« Reply #306 on: February 23, 2015, 11:49:15 PM »
Have you confirmed that it was not a new pull?

Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date

Offline noturbizniss

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Re: Random Credit Card Questions
« Reply #307 on: February 23, 2015, 11:51:09 PM »
Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date
Are your familiar with the experian trick die unlimited updates of your credit report?
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Offline yuguy

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Re: Random Credit Card Questions
« Reply #308 on: February 23, 2015, 11:54:08 PM »
Are your familiar with the experian trick die unlimited updates of your credit report?

No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)

Offline noturbizniss

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Re: Random Credit Card Questions
« Reply #309 on: February 23, 2015, 11:57:41 PM »
No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)


https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.



Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.
You just need the report number from the original report. Save it as pdf so you have it
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Offline yuguy

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Re: Random Credit Card Questions
« Reply #310 on: February 24, 2015, 12:00:08 AM »


You just need the report number from the original report. Save it as pdf so you have it

Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.

Online ckmk47

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Re: Random Credit Card Questions
« Reply #311 on: February 24, 2015, 12:00:56 AM »


You just need the report number from the original report. Save it as pdf so you have it
Thanks!
My favorite cause: cssy.org

Offline noturbizniss

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Re: Random Credit Card Questions
« Reply #312 on: February 24, 2015, 12:03:36 AM »
Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.
READ THE DARN WIKI!!!!

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...READS THE WIKI!!!

Offline yuguy

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Re: Random Credit Card Questions
« Reply #313 on: February 24, 2015, 12:05:51 AM »
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.

Offline noturbizniss

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Re: Random Credit Card Questions
« Reply #314 on: February 24, 2015, 12:07:11 AM »
Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.
I think the chap is that the report stays live in their system for 90 days so it can be refreshed. I could be wrong.
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Offline clear thinker

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Re: Random Credit Card Questions
« Reply #315 on: February 24, 2015, 06:58:11 AM »
Reported to credit bureau you mean? If so, then yes. DROPR.  Minimum reporting time is if not paid 30 days after due date.
Tnx

Offline Boruch999

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Re: Random Credit Card Questions
« Reply #316 on: February 24, 2015, 07:20:44 AM »
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

The current EX trial with FICO doesnt provide a report number.  It could be if you initiate a dispute you can get one.

Offline benjie1305

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Re: Random Credit Card Questions
« Reply #317 on: February 24, 2015, 08:51:41 AM »


You just need the report number from the original report. Save it as pdf so you have it

Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?
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Online TimT

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Re: Random Credit Card Questions
« Reply #318 on: February 24, 2015, 08:52:38 AM »
Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?
;)

Offline benjie1305

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Re: Random Credit Card Questions
« Reply #319 on: February 24, 2015, 08:54:42 AM »
;)

 8) 8)

Game changer! Only thing is that I must be right on the 90 day cut off. Need to check at home. #nervous
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