Author Topic: DansDeals Credit Card Links And FAQ's: Your Support Keeps This Site Running! (Read 3683486 times)

Dan · « **on:** June 07, 2011, 11:29:45 AM »

Click Here to get more details on this card and compare to other cards!

"3 Browser Method"
The 3 browser method (3BM) is a technique that I've been using for 10 years with that has since spread across the web. It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free. There's no reason you can't do it as well! Basically the idea is to apply for 3 different credit cards from the same bank (Either from AMEX, Chase, Citi, etc.) at the same exact time using 3 different web browsers, like Chrome, Firefox, Internet Explorer, Safari, etc, etc.

When you do so you typically will only get 1 credit hit regardless of how many cards you apply for.
It also increases your odds of getting instantly improved for multiple cards as opposed to applying for multiple cards at separate times.

Credit Pulls:
In every state different banks will pull from different credit agencies. The credit agencies are Experian, Equifax, and Transunion.
See this thread for info on where people are saying each bank pulls from in their state.
Most banks pull from just one agency, but Capital One is known as being evil for pulling from all 3 agencies.

Credit Freezing:
If you live on a state like NJ, where the major banks all pull from Experian you may have a lot of hard pulls on one report but none on other reports. Too many hard pulls in the past 6 months is often a factor for being denied for a card.
People have had success freezing their Experian and one other report when applying for a Chase card to get Chase to pull from an agency where you have fewer hard pulls-making it easier to get approved. You may need to call Chase to let them know which of your reports is not frozen.

The costs are outlined here. It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online may not be current in that article, here are the current links:

Equfax
Experian
TransUnion

Reconsideration:
Even if you are rejected you can always ask for reconsideration for approval. Be proactive by offering to have older cards closed or have credit lines shifted around from older cards to newer cards.

AMEX: 866-314-0237 (Application reconsideration)
Membership Rewards: 800-297-3276

BoFA:
866-530-9829 personal
800-481-8277 business

Citi:
Citi: 866-606-2787 (Account Analyst)
Citi: 888-201-4523 (New App Approval Status)
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (Credit Dept.)
Citi Credit Bureau Dispute Fax: 866-713-5028

Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117

Retention Bonuses:
Before cancelling a card that carries an annual fee, try asking for a retention bonus.
More info in this thread.

Annual Fee Refund:
There is a grace period for cancelling a card after the appearance of an annual fee to get the fee waived. This is true with new cards that have a fee due immediately and true for cards that have been open for a year and have a fee that posted to the statement. The length of the grace period differs by bank.

myb821 · « **Reply #1 on:** June 07, 2011, 11:31:53 AM »

u should prob sticky this at the top of the cc forum

kayef · « **Reply #2 on:** June 07, 2011, 12:20:42 PM »

where is hyatt?

Dan · « **Reply #3 on:** June 07, 2011, 12:23:35 PM »

Quote from: kayef on June 07, 2011, 12:20:42 PM

where is hyatt?

Added, thanks!

skyguy918 · « **Reply #4 on:** June 07, 2011, 01:47:48 PM »

aadvantage?

haxx19 · « **Reply #5 on:** June 07, 2011, 01:56:00 PM »

Been waiting for a consolidated thread like this! Sticky!

bem684 · « **Reply #6 on:** June 07, 2011, 02:12:03 PM »

thank you Dan! one stop shopping!

Dan · « **Reply #7 on:** June 07, 2011, 02:26:56 PM »

Quote from: skyguy918 on June 07, 2011, 01:47:48 PM

aadvantage?

http://www.dansdeals.com/forums/index.php?topic=3104

skyguy918 · « **Reply #8 on:** June 07, 2011, 02:31:18 PM »

I meant why wasn't it on this thread.

myb821 · « **Reply #9 on:** June 07, 2011, 02:38:35 PM »

its not his personalized link their are only generic links

Nitantnel · « **Reply #10 on:** June 07, 2011, 02:43:08 PM »

Can you also add a column with the bonuses, and the possible bonuses (via matching). Or this way, instead of the linking directly to the signup page, link to where it is explained on DD. From there you would be able to decide and then sign up.

azhoopsfan · « **Reply #11 on:** June 07, 2011, 04:37:17 PM »

Why no Hilton Amex?

MnM1130 · « **Reply #12 on:** June 08, 2011, 06:05:27 PM »

amazing! thanks!
now let me able to just be approved for ccs....

EliH · « **Reply #13 on:** June 08, 2011, 06:24:35 PM »

Can you please put the active sign up offer next to each one

Zeeeeks · « **Reply #14 on:** June 11, 2011, 11:18:14 PM »

My friend was targeted for the for the 75k PRG offer. Is there a way for him to sign up using the DD link and use the offer code?

Cholentfresser · « **Reply #15 on:** June 11, 2011, 11:45:30 PM »

he can use the DD link and then call and say u got the offer in the mail. depending on the CSR you get, they might make you send in a copy of the offer.

kivabb · « **Reply #16 on:** June 12, 2011, 08:04:57 PM »

Dan, are you making sticky for this on top of CC forum page?

Dan · « **Reply #17 on:** June 14, 2011, 11:44:53 PM »

Updated with some of the bonuses/benefits of each card.

Nitantnel · « **Reply #18 on:** June 15, 2011, 10:22:02 AM »

Quote from: Dan on June 14, 2011, 11:44:53 PM

Updates with some of the bonuses/benefits of each card.

Thanks!

Dan · « **Reply #19 on:** June 15, 2011, 11:22:01 AM »

Added some FAQs and recon numbers.

If you have more recon numbers or would like to add to the FAQ just post it here and I'll add it to the OP.

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Author Topic: DansDeals Credit Card Links And FAQ's: Your Support Keeps This Site Running! (Read 3683486 times)