Author Topic: Misc Credit Card Questions  (Read 1865503 times)

Online TimT

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Re: Misc Credit Card Questions
« Reply #2020 on: December 30, 2015, 10:21:55 AM »
My total CL went up with 36k in December. Should I be afraid of a Chase or Citi A/A?
More gets factored in.

Offline Venilla

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Re: Misc Credit Card Questions
« Reply #2021 on: December 30, 2015, 11:01:42 AM »
I like vanilla but my name is Venilla.

Online TimT

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Re: Misc Credit Card Questions
« Reply #2022 on: December 30, 2015, 11:15:07 AM »

Offline zer0k1

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Re: Misc Credit Card Questions
« Reply #2023 on: December 30, 2015, 11:16:34 AM »
Amex wants to call TD Bank themselves to verify the address of a family member who is trying to get his first Amex. If I add him as an AU to my bank account, even though he has no documentation of living at my address, this will suffice?

Offline Marco Polo

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Re: Misc Credit Card Questions
« Reply #2024 on: December 30, 2015, 11:45:34 AM »
Amex wants to call TD Bank themselves to verify the address of a family member who is trying to get his first Amex. If I add him as an AU to my bank account, even though he has no documentation of living at my address, this will suffice?
If attached to the account it should work.
Quaerite et Invenietis.

Offline Marko Rubio

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Re: Misc Credit Card Questions
« Reply #2025 on: December 30, 2015, 01:48:58 PM »
My total CL went up with 36k in December. Should I be afraid of a Chase or Citi A/A?
Income-CL ratio can factor

never knew this, can chase give u problems if u have too high CL?
Do u have any different idea for a signature?

Offline emjee

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Re: Misc Credit Card Questions
« Reply #2026 on: December 30, 2015, 01:55:04 PM »

never knew this, can chase give u problems if u have too high CL?
Technically yes. Just like amex and citi

Although , with amex charge cards the CL go back up after a while

Offline Venilla

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Re: Misc Credit Card Questions
« Reply #2027 on: December 30, 2015, 01:55:54 PM »

never knew this, can chase give u problems if u have too high CL?
See WIKI.
I like vanilla but my name is Venilla.

Offline Marko Rubio

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Re: Misc Credit Card Questions
« Reply #2028 on: December 30, 2015, 02:03:03 PM »
I see in the wiki about too many new accounts, but nothing about credit limit, what can trigger a chase A/A if u have too much cl compared to income? Or if your cl went up alot in a short time?
Do u have any different idea for a signature?

Offline Venilla

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Re: Misc Credit Card Questions
« Reply #2029 on: December 30, 2015, 02:18:24 PM »
I see in the wiki about too many new accounts, but nothing about credit limit, what can trigger a chase A/A if u have too much cl compared to income? Or if your cl went up alot in a short time?
What's known is that having too much credit compared to income may trigger an A/A. My question was if a sudden rise in the CL would also be a red flag.

Last week I was approved for a card with a 26k CL (my first time ever with a CL over 20k) I hope it's not a problem.
I like vanilla but my name is Venilla.

Offline Marko Rubio

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Re: Misc Credit Card Questions
« Reply #2030 on: December 30, 2015, 02:32:27 PM »
What's known is that having too much credit compared to income may trigger an A/A. My question was if a sudden rise in the CL would also be a red flag.

Last week I was approved for a card with a 26k CL (my first time ever with a CL over 20k) I hope it's not a problem.
too much total credit by chase or all banks together?
Do u have any different idea for a signature?

Offline Venilla

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Re: Misc Credit Card Questions
« Reply #2031 on: December 30, 2015, 02:40:14 PM »
too much total credit by chase or all banks together?
All banks.
I like vanilla but my name is Venilla.

Offline hide4

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Re: Misc Credit Card Questions
« Reply #2032 on: December 30, 2015, 06:32:18 PM »
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.

Offline gubevo18

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Re: Misc Credit Card Questions
« Reply #2033 on: December 30, 2015, 06:37:54 PM »
if i have say a total of 100k CL across all cards and spend on one the full 10k CL every month while pretty much spending nothing on the others, would that hurt my credit score?

Offline D93

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Re: Misc Credit Card Questions
« Reply #2034 on: December 30, 2015, 06:39:34 PM »
if i have say a total of 100k CL across all cards and spend on one the full 10k CL every month while pretty much spending nothing on the others, would that hurt my credit score?

Is it a personal or business card?
Do you let the statement close at $10k?

Offline gubevo18

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Re: Misc Credit Card Questions
« Reply #2035 on: December 30, 2015, 07:10:46 PM »
Personal. On personal it doesn't make a difference. Right?

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #2036 on: December 30, 2015, 07:19:29 PM »
if i have say a total of 100k CL across all cards and spend on one the full 10k CL every month while pretty much spending nothing on the others, would that hurt my credit score?
It will hurt see the credit score thread http://forums.dansdeals.com/index.php?topic=96.msg1365886#msg1365886

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #2037 on: December 30, 2015, 07:19:29 PM »
Personal. On personal it doesn't make a difference. Right?
Just the opposite. Balances on personal cards can hurt you, while balances on business cards don't.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Marko Rubio

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Re: Misc Credit Card Questions
« Reply #2038 on: December 30, 2015, 07:25:09 PM »
All banks.
that makes no sense, i think most ppl have 2 or 3 times more total credit limits then there income CMIIW
Do u have any different idea for a signature?

Offline gubevo18

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Re: Misc Credit Card Questions
« Reply #2039 on: December 30, 2015, 07:42:30 PM »
Just the opposite. Balances on personal cards can hurt you, while balances on business cards don't.
yes sorry meant that it doesnt make a difference if I let the statement close or not.  it shows up either way