"BMW 328i"
BMW Visa® Card Review
Written by: bramford on 2008-03-23
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bramford's review: 
I have applied, waiting for reply.
I have applied, waiting for reply.
13 Comments
Comment 1 by meya
Fingers Are Crossed 
on 2008-03-25
Hey buddie, how many cards have you applied for so far? Are you out there on a credit benge? I would hope not.
on 2008-03-25 Hey buddie, how many cards have you applied for so far? Are you out there on a credit benge? I would hope not.
Comment 2 by bramford
Meya on 2008-03-25
Hi Meya:
At this point the count is 21 cards, but as I get better cards and CL's I am closing the junk cards that I have with low limits.
on 2008-03-25 Hi Meya:At this point the count is 21 cards, but as I get better cards and CL's I am closing the junk cards that I have with low limits.
Comment 3 by meya
21!!!!!!! on 2008-03-25
Good lord save me Jesuuuuuus. It is time to get rid of the cards that are not good now. Those are the ones that are going to hurt you when you are out searching for Teir 1 cards. Hold on let me catch my breath... Cough cough... Ok, now listen buddie, take a break and go forth with the cli's as for right now.
Dont get yourself in a perdicument to where you are going to be denied by all teir 1 cards (and subprimed) because you having too many. You are then going to have to wait at least 2 years before you can apply for any card. Let the minor ones go, trust me, your score will drop a little but come right back up real fast (depending on the credit length).
Delete all the ones that is still under 6 months and all the ones that are under $500. If you have cards in the $k's then keep only the ones in the $k's.
on 2008-03-25 Good lord save me Jesuuuuuus. It is time to get rid of the cards that are not good now. Those are the ones that are going to hurt you when you are out searching for Teir 1 cards. Hold on let me catch my breath... Cough cough... Ok, now listen buddie, take a break and go forth with the cli's as for right now. Dont get yourself in a perdicument to where you are going to be denied by all teir 1 cards (and subprimed) because you having too many. You are then going to have to wait at least 2 years before you can apply for any card. Let the minor ones go, trust me, your score will drop a little but come right back up real fast (depending on the credit length).
Delete all the ones that is still under 6 months and all the ones that are under $500. If you have cards in the $k's then keep only the ones in the $k's.
Comment 4 by bramford
Meya on 2008-03-25
Hi Meya
That is exactly what I am doing. Believe Me, there is a method to my madness.
on 2008-03-25 Hi MeyaThat is exactly what I am doing. Believe Me, there is a method to my madness.
Comment 8 by bramford
Turned It Down. on 2008-03-30
Got approved, but because I was approved for 4 Tier one cards, I called them. I thanked them for approving my application, and told them that I do not want their card.
on 2008-03-30 Got approved, but because I was approved for 4 Tier one cards, I called them. I thanked them for approving my application, and told them that I do not want their card.
Comment 10 by bramford
Meya on 2008-03-30
I turned it down because I already have too many cards. Here is the list:
Amex Green Card--No Limit
Amex Blue Cash--1000
CitiBank credit Line--2000
CitiBank Cash Back CC--2000
Chase Freedom--2000
Discover Card--3100
JC Penney--2000
Macys--2000
Macys type 30 acct--1000
Hooters--1000
Capital One No Hassle cash--750
Capital One platnum--500
BofA--500
Gm Flex Card--500
Wells Fargo--500
First Premier-450
First Premier-375
Honda Finance, Car Lease-26,000--530
Mercedes Finance, Car Lease--35,000--540
I think these are enough for now, don't you think so Meya?
on 2008-03-30 I turned it down because I already have too many cards. Here is the list:Amex Green Card--No Limit
Amex Blue Cash--1000
CitiBank credit Line--2000
CitiBank Cash Back CC--2000
Chase Freedom--2000
Discover Card--3100
JC Penney--2000
Macys--2000
Macys type 30 acct--1000
Hooters--1000
Capital One No Hassle cash--750
Capital One platnum--500
BofA--500
Gm Flex Card--500
Wells Fargo--500
First Premier-450
First Premier-375
Honda Finance, Car Lease-26,000--530
Mercedes Finance, Car Lease--35,000--540
I think these are enough for now, don't you think so Meya?
Comment 11 by bramford
Meya on 2008-03-30
I turned it down because I already have too many cards. Here is the list:
Amex Green Card--No Limit
Amex Blue Cash--1000
CitiBank credit Line--2000
CitiBank Cash Back CC--2000
Chase Freedom--2000
Discover Card--3100
JC Penney--2000
Macys--2000
Macys type 30 acct--1000
Hooters--1000
Capital One No Hassle cash--750
Capital One platnum--500
BofA--500
Gm Flex Card--500
Wells Fargo--500
First Premier-450
First Premier-375
Honda Finance, Car Lease-26,000--530
Mercedes Finance, Car Lease--35,000--540
I think these are enough for now, don't you think so Meya?
on 2008-03-30 I turned it down because I already have too many cards. Here is the list:Amex Green Card--No Limit
Amex Blue Cash--1000
CitiBank credit Line--2000
CitiBank Cash Back CC--2000
Chase Freedom--2000
Discover Card--3100
JC Penney--2000
Macys--2000
Macys type 30 acct--1000
Hooters--1000
Capital One No Hassle cash--750
Capital One platnum--500
BofA--500
Gm Flex Card--500
Wells Fargo--500
First Premier-450
First Premier-375
Honda Finance, Car Lease-26,000--530
Mercedes Finance, Car Lease--35,000--540
I think these are enough for now, don't you think so Meya?
Comment 12 by meya
RE: Bramford on 2008-03-30
Hey buddie, you need to stop and focus on your cli's. You have cards that people are dying to get. I like the cards that you do have and agree to the limits. It is a good thing that you have turned them down in comparison to what you already have.
on 2008-03-30 Hey buddie, you need to stop and focus on your cli's. You have cards that people are dying to get. I like the cards that you do have and agree to the limits. It is a good thing that you have turned them down in comparison to what you already have.
Comment 13 by rockin35
I Would Keep BMW on 2008-04-19
Hey Bramford,
I would keep the BMW card, if they send it to you. Your score has already been pulled not to mention. I am in the process of eliminating all of the "high-a---" interest rated cards. I got approved for the BMW Visa card at 11.99%, for me that's a good rate compared to my Target Visa which is 18.79%. I would reconsider resending the offer if I were you and cut out some of the other cards you don't need. Rockin35!
on 2008-04-19 Hey Bramford,I would keep the BMW card, if they send it to you. Your score has already been pulled not to mention. I am in the process of eliminating all of the "high-a---" interest rated cards. I got approved for the BMW Visa card at 11.99%, for me that's a good rate compared to my Target Visa which is 18.79%. I would reconsider resending the offer if I were you and cut out some of the other cards you don't need. Rockin35!
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Disclaimer: This content is not provided by BMW Bank of North America. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by BMW Bank of North America. Review content is powered by Finance Globe.
