"BMW 328i"

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Written by: bramford on 2008-03-23

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bramford's review: 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.
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.
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.
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.
Comment 5 by meya
Cool on 2008-03-25

Way to go Brammy... Lol!
Comment 6 by meya
Oooops on 2008-03-25

Bramford! Sorry!
Comment 7 by hjm331
RE: Meya on 2008-03-25

Brammy? LMAO! That's cold man!
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.
Comment 9 by meya
Huh? on 2008-03-30

Am I missing something here? You turned them down? For what?
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?
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?
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.
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!
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