Author Topic: Misc Credit Card Questions  (Read 746448 times)

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9525 on: October 21, 2020, 05:32:14 PM »
does anybody have clarity on this before applying for 18 year old daughter?
yes same answer as before
P.s. as to making sense I am not sure these type of rules always do

Online CountValentine

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Re: Misc Credit Card Questions
« Reply #9526 on: October 21, 2020, 06:11:37 PM »
Hi,
I opened up a Business Ink for a company i work for - the CC is under the company name & has my name as well.
The company is facing financial dificulties and is way behind on their payments and owe around 50k on the CC.
I checked my credit score and it took nosedive because of this - does this make sense? Im a newbie but was under the impression that business cards do not affect your personal credit score? Is there any way to correct this?
Thanks
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Online davidd75

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Re: Misc Credit Card Questions
« Reply #9527 on: October 21, 2020, 06:24:05 PM »
yes same answer as before
P.s. as to making sense I am not sure these type of rules always do

source?

Online Joel

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Re: Misc Credit Card Questions
« Reply #9528 on: October 21, 2020, 06:29:07 PM »

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #9529 on: October 22, 2020, 01:50:47 PM »
If an application is pending (2 week notice) with chase, is it a bad idea to apply for another card with chase before getting approved?
Call recon and get the first app straightened out and approved.

Offline bhoaem

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Re: Misc Credit Card Questions
« Reply #9530 on: October 22, 2020, 07:56:36 PM »
I applied for the Chase sapphire preferred which was approved and the Freedom Unlimited was denied.
Upon calling recon they said it was denied because of too many applications submitted for credit. They can resubmit the application for recon but it will need another hard pull.
Does this make sense? Or HUCA?

Offline Eb228

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Re: Misc Credit Card Questions
« Reply #9531 on: October 22, 2020, 08:16:20 PM »
I applied for the Chase sapphire preferred which was approved and the Freedom Unlimited was denied.
Upon calling recon they said it was denied because of too many applications submitted for credit. They can resubmit the application for recon but it will need another hard pull.
Does this make sense? Or HUCA?

Had the same thing the other way around. (appr for Unlimited nor CSP, also approved for an Ink card, but they say they didn't even pull for the CSP).
Did you do in 2 browsers at once or one after the other on the same day?

Offline bhoaem

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Re: Misc Credit Card Questions
« Reply #9532 on: October 22, 2020, 08:20:39 PM »
2 Browsers same time.

Offline Eb228

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Re: Misc Credit Card Questions
« Reply #9533 on: October 22, 2020, 08:23:46 PM »
2 Browsers same time.
Keep us posted if HUCA helps, pulling another hard pull is worthless for me, I was at 4/24 and was hoping to get both open, now it'll show as 5/24

Offline bhoaem

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Re: Misc Credit Card Questions
« Reply #9534 on: October 22, 2020, 08:36:21 PM »
Keep us posted if HUCA helps, pulling another hard pull is worthless for me, I was at 4/24 and was hoping to get both open, now it'll show as 5/24
SP was denied because of too many  applications submitted on same day?

Offline Eb228

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Re: Misc Credit Card Questions
« Reply #9535 on: October 22, 2020, 08:42:07 PM »
SP was denied because of too many  applications submitted on same day?
Yes, and they said moving credit wasnt an answer, as it was too many lines being ooened, and therfore didnt think pulling my credit would even change that, but they would have to pull to even attampt

Offline 159dallas

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Re: Misc Credit Card Questions
« Reply #9536 on: October 22, 2020, 11:23:23 PM »
I had fraud on my personal Info(SSN Included)(Someone tried to open a CC but got declined) I have all 3 credits (Experian Equifax Transunion) frozen.... But like how long should I keep it like that? Is there like any assumptions I can make or anything else I can do?

Online davidd75

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Re: Misc Credit Card Questions
« Reply #9537 on: October 23, 2020, 10:27:14 AM »
Keep us posted if HUCA helps, pulling another hard pull is worthless for me, I was at 4/24 and was hoping to get both open, now it'll show as 5/24

who said it ever works applying with 2mb when you are at 4/24?  any positive datapoints?

Offline Eb228

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Re: Misc Credit Card Questions
« Reply #9538 on: October 24, 2020, 07:49:59 PM »
who said it ever works applying with 2mb when you are at 4/24?  any positive datapoints?
Did it for DW and she was approved for both, was also at 4 24
If theyre both going off the same credit report, how couldd it show as 5 24?

Online yochai

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Re: Misc Credit Card Questions
« Reply #9539 on: October 24, 2020, 09:42:07 PM »
I have a Barclaycard arrival I never use. They just sent me a letter that if I donít make a purchase in the next 30 days, they will close it due to inactivity. Any reason for me to keep it active? Will it negatively affect my credit score?