Author Topic: Misc Credit Card Questions (Read 1909411 times)

Schneur22 · « **Reply #3160 on:** March 13, 2016, 01:56:46 AM »

Quote from: yochiek93 on March 13, 2016, 01:49:44 AM

Doesn't it depend on what processing company they use?

Primary

Schneur22 · « **Reply #3161 on:** March 13, 2016, 03:21:19 AM »

Quote from: David Smith on March 13, 2016, 03:12:22 AM

You quoted the wrong person. Any AU history older than that? If not, get yourself added as an AU on an old, clean, account or two with another bank than amex, and try again.

I was an AU on a Bank of America card for about 2 years now. Chase/Experian didn't look at it. When I spoke to reconsideration, they told me for whatever reason it didn't show up. I happened to have just been taken off as an AU now.

Schneur22 · « **Reply #3162 on:** March 13, 2016, 03:21:54 AM »

Quote from: D93 on March 13, 2016, 01:55:53 AM

AU or primary?

Primary

Schneur22 · « **Reply #3163 on:** March 13, 2016, 03:26:00 AM »

Quote from: David Smith on March 13, 2016, 03:25:43 AM

A BoA business card?

Personal

Schneur22 · « **Reply #3164 on:** March 13, 2016, 03:29:34 AM »

Quote from: David Smith on March 13, 2016, 03:27:54 AM

Strange. Somebody from your address?
Try citi, they're pretty good about reporting.

Right but I'm trying to get specifically the CSP. Any idea how long is good, only considering a regular personal Capitol one CC?

Schneur22 · « **Reply #3165 on:** March 13, 2016, 03:38:32 AM »

Quote from: David Smith on March 13, 2016, 03:31:10 AM

I mean try getting added as an AU on a citi card. They report to the CRAs reasonably fast.

Does it make a difference how long I'm an AU, or they only look how long the account that I'm an AU on has been open?

Schneur22 · « **Reply #3166 on:** March 13, 2016, 04:00:27 AM »

Quote from: David Smith on March 13, 2016, 03:42:53 AM

Amex will report the date that your added as an AU as the account age. That's why you don't want that. Most other banks will backdate the account age to primary account opening date, so date you were added as AU doesn't matter.

Great info, thanks. Any banks specifically that will backdate? (So I know what I'm working with)

Schneur22 · « **Reply #3167 on:** March 13, 2016, 04:01:34 AM »

Quote from: David Smith on March 13, 2016, 04:01:16 AM

Try citi.

Any other?

David Smith · « **Reply #3168 on:** March 13, 2016, 04:03:16 AM »

Quote from: Schneur22 on March 13, 2016, 04:01:34 AM

Any other?

BoA should, but you said that didn't report for you. Most banks do, amex being the notable exception.

Schneur22 · « **Reply #3169 on:** March 13, 2016, 04:04:48 AM »

Quote from: David Smith on March 13, 2016, 04:03:16 AM

BoA should, but you said that didn't report for you. Most banks do, amex being the notable exception.

OK... If I wouldn't want to go an AU, and just wait till my account is old enough. How long do you think untill I can feel confident of being accepted to the CSP?

D93 · « **Reply #3170 on:** March 13, 2016, 04:05:34 AM »

Quote from: Schneur22 on March 13, 2016, 03:21:19 AM

I was an AU on a Bank of America card for about 2 years now. Chase/Experian didn't look at it. When I spoke to reconsideration, they told me for whatever reason it didn't show up. I happened to have just been taken off as an AU now.

Have you looked at your EX yourself to see if that BofA card is on it?

Schneur22 · « **Reply #3171 on:** March 13, 2016, 04:06:43 AM »

I'm going to look into now. But I'm curious how long as a primary though. Any idea?

Schneur22 · « **Reply #3172 on:** March 13, 2016, 04:08:18 AM »

Quote from: David Smith on March 13, 2016, 04:06:36 AM

Very YMMV, but 18 months should be more than enough. Many people have gotten approved with less. Was the credit line on the card you have over $5k?

It was $3000. I can't transfer the credit line though, because my credit is on the capital one.

Schneur22 · « **Reply #3173 on:** March 13, 2016, 04:16:21 AM »

Quote from: David Smith on March 13, 2016, 04:14:33 AM

The minimum starting credit line for the CSP is $5k. If you had other cards on your report with that credit line or higher, Chase would be more willing to match it. Chase doesn't like being the first to offer you much higher credit lines than you have.

So your saying if my Capitol one card approves me for $5000, then chances are Chase will as well? (Even with short credit history?)

Schneur22 · « **Reply #3174 on:** March 13, 2016, 04:20:28 AM »

Quote from: David Smith on March 13, 2016, 04:19:47 AM

It'll give you a better chance. There are other factors, too, including reported income and personal history with Chase. I'd still strongly advise you to get added as an AU on an old, spotless account with a high credit line and low to zero utilization. It'll do wonders for your credit score.

Thanks a lot

eliraps · « **Reply #3175 on:** March 13, 2016, 08:56:23 AM »

Just to confirm,
Amex biz and personal merge into one pull?

D93 · « **Reply #3176 on:** March 13, 2016, 09:02:24 AM »

Quote from: eliraps on March 13, 2016, 08:56:23 AM

Just to confirm,
Amex biz and personal merge into one pull?

Yes

Jm1248 · « **Reply #3177 on:** March 13, 2016, 10:48:43 AM »

I know this has been discussed, I just have no clue where. If I currently have an Ink Plus card under just my SSN, can I apply for a new one with a different company name under same SSN but with an EIN # this time?

yitrap · « **Reply #3178 on:** March 13, 2016, 11:49:53 AM »

Quote from: Jm1248 on March 13, 2016, 10:48:43 AM

I know this has been discussed, I just have no clue where. If I currently have an Ink Plus card under just my SSN, can I apply for a new one with a different company name under same SSN but with an EIN # this time?

Yes

Jm1248 · « **Reply #3179 on:** March 13, 2016, 01:54:26 PM »

Quote from: yitrap on March 13, 2016, 11:49:53 AM

Yes

Thanks. Biz and personal are separate pulls with chase even same day, correct?

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Author Topic: Misc Credit Card Questions (Read 1909411 times)