Credit Card Questions

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  • Posts: 158

Replied by interjack on topic Re: Credit Card Questions

Congratulations!


They asked for
-A copy of a recent bank statement
-A copy of my last pay stub
-A copy of my last tax return
-A copy of my last utility bill

My credit history is 4yrs long. I think that they asked for all of this information because I have a fraud alert and special notes that say "don't confuse me with other relatives with the same name." I had an issue with my dad's bad decisions showing up on my credit report. They may not require all of this info from you. But after I sent it in, I was approved.
9 years 6 months ago #136
  • Posts: 62

Replied by krave on topic Re: Credit Card Questions

Just got approved for the Citi Platinum Select MasterCard. They gave me a $4000 limit. This will allow me to further prune my credit garden. Specifically I think I am going to get rid of my Target card. (It only has a $400 limit.) The main reason I applied for it was because of the 24mo 0% interest on balance xfers.



Congratulations! :white-flag:
I received a "Pre-Approval" letter from them, for Citi Platinum Select and Diamond Preferred Rewards Card. I'm still undecided if I should apply.

What did they ask you? Did they for ask any proof of income, etc?
How long is your credit history? Thanks in advance!
9 years 6 months ago #137
  • Posts: 158

Replied by interjack on topic Re: Credit Card Questions

Just got approved for the Citi Platinum Select MasterCard. They gave me a $4000 limit. This will allow me to further prune my credit garden. Specifically I think I am going to get rid of my Target card. (It only has a $400 limit.) The main reason I applied for it was because of the 24mo 0% interest on balance xfers.
9 years 6 months ago #138
  • Posts: 534

Replied by Joeyman on topic Re: Credit Card Questions

Glad to hear that you're treating you right but don't be surprised if they start having mood swings and decrease your CL/jack up your APR.


For now I only have the Zync charge card. But after I have six months history, I am willing to apply for the Blue Cash.
9 years 6 months ago #139
  • Posts: 3479

Replied by hjm331 on topic Re: Credit Card Questions

Glad to hear that you're treating you right but don't be surprised if they start having mood swings and decrease your CL/jack up your APR.
9 years 6 months ago #140
  • Posts: 534

Replied by Joeyman on topic Re: Credit Card Questions

Yep, that one place is in my wallet.


Lol Hjm, I had read this a few times to get it. I literally laughed out loud. :cheesing:

I still like AMEX though :p
9 years 7 months ago #141
  • Posts: 3479

Replied by hjm331 on topic Re: Credit Card Questions

I have been very satisfied with my AMEX Zync card . . . I have only had one place where AMEX wasn't accepted.


Yep, that one place is in my wallet.
9 years 7 months ago #142
  • Posts: 534

Replied by Joeyman on topic Re: Credit Card Questions

I have been very satisfied with my AMEX Zync card . . . I have only had one place where AMEX wasn't accepted. :cheesing:
9 years 7 months ago #143
  • Posts: 3479

Replied by hjm331 on topic Re: Credit Card Questions

AmEx has higher interchange fees so therefore, Macy's would be more profitable with having their card on the AmEx network than Visa.
9 years 7 months ago #144
  • Posts: 572

Replied by Finance Globe on topic Re: Credit Card Questions

Did your rates and CL stay the same? I haven't received the new card yet.
9 years 7 months ago #145
  • Posts: 244

Replied by KIEJON9 on topic Re: Credit Card Questions

I received a notice a couple of weeks ago letting me know that the Visa will be replaced by AMEX. I assume that all Visa cardholders will get the new AMEX card.


I did not receive any notice at all yet maybe today I just received the card and I like it :white-flag:
9 years 7 months ago #146
  • Posts: 572

Replied by Finance Globe on topic Re: Credit Card Questions

this past week I received a new card from Macy's for one of my old cards and fact It a Macys american express card that I received this past weekend when did they come out with this card do anybody Know ?????

I received a notice a couple of weeks ago letting me know that the Visa will be replaced by AMEX. I assume that all Visa cardholders will get the new AMEX card.
9 years 7 months ago #147
  • Posts: 244

Replied by KIEJON9 on topic Re: Credit Card Questions

this past week I received a new card from Macy's for one of my old cards and fact It a Macys american express card that I received this past weekend when did they come out with this card do anybody Know ?????
9 years 7 months ago #148
  • Posts: 1

Replied by LBCutta on topic Re: Credit Card Questions

Well, I'm in the process of rebuilding my credit. I have a Orchard Bank Platnium card and tried the Cap One. I used they're pre approval on site and was approved for a Platnium card. And of course I get the standard wait 10-14 days. So I use credit monitoring and I get an inquiry from Cap One on Transunion and Equifax. This morning they deleted the Transunion inquiry. Does anyone know what this means? I'm afraid it means I was denied. mY scores are TU - 631 EX - 594 EQ - 606
9 years 8 months ago #149
  • Posts: 244

Replied by KIEJON9 on topic Re: Credit Card Questions

A friend i work with who according to her her credit is "terrible". she wants to start with 2 accounts and start re-building. due to a divorce, she has a forclosure on her credit from chase home finance. hasnt pulled credit reports yet, but i was telling her how i have been re-building myself for 2 years now, and suggested that she go in to wal mart and try applying. she went in and was approved not for the wal-mart credit card, but the wal-mart discover for $1200 credit limit. she was very suprised and very happy. she has no other open accounts. does anyone have a suggestion on what would be a good second card to open in this situation?



Capital One
9 years 8 months ago #150