Here is my updated situation.All accomplished by reading this board for 18 months!Thank you all for the continued education and suggestions. 1-Amex Platinum Charge-7/2001 2-Amex Platinum Optima -5/2001 -9000.00@9.9 3-Amex Delta Gold 3/2001 6000.00@16.49 4-Amex Gold Charge 3/2001 5-chase plat 3/2001 -5000 2.9/10.49 6-Citi plat select3/2001- 20500 1,9/9.65 7-US BANK LOC 3/2001-7000/12.46 8-Diners Club 3/2001 9-Blue 12/000 -10000.00@10.99 10-Juniper 12/2000 12500.00 Now5.9/11.49 11-citi click plat 11/2000 5000.00@8.65 12-Discover Plat. 3/2000 8400.00 @5.9/12.49 - Mbna gold option 15000.00 @17.96% 13-providian 8/1996 4060@169 14-meier/frank 1500.00 15-macy's 1800.00 16-parisian 1200.00 17-crate&barell 1000.00 18-best buy 2500.00 19-target 1000.00 20-sears 500.00 wtf??? 21-structure 350.00 22-Dillards 1400.00 My scores remain over 700.What do you do/how high can you go!I will let you know.
If I'm seeing this correctly you opened 6 new accounts in one month (3/2001). I'm amazed. How did you do this?
Were you just lucky, or did you engineer this in some way. I tried it with CCC's I thought used different CRA's ended up with too many inquiries on EFX. 1 on TU and 0 on EXP. They all pulled EFX!! breeze
I guess the moral to this is...next time that you are in California or Texas or Pennsylvania apply for store cards there and let them pull your CR from the ones that they use out there and maybe Macy's, Target, or somebody else will do us all a favor. LOL
The 1 on TU is AmEx, but that is 6/20/01. When I first got the card (last summer), they pulled Equifax, they got my name from Experian. So they have hit all 3. Citi, B of A, HHB, USAA, People First, Cap One, Associates, FCNB, Pentagon FCU, Netbank - all pulled EFX!!! I have 19 hard inqs in the past 2 yrs on EFX, 1 on TU 0 on EXP!! 8 cards, 1 installment account. I got Citi AmEx, Cap One and Associates, but then I started getting getting declined for "too many recent inquiries, too many accounts" I am opting out of all promotional inquiries for a while, and then I will opt in for EFX promotions. Hopefully, if they get my name from EFX, they will check TU or EXP. That's the only solution I can think of. Any ideas? I don't want to use all the credit, really. But having lots of "options" is wonderful. breeze
Amex rotates CRA'S when you apply for multiple cards in a short time period, however you must apply over the phone and as soon as your apllication shows up on the system[24 hours] call 18009627227 and speak with a supervisor to manually approve you! If you wait for the application to run its course the computer will decide your status and limit.
I work for AMEX....considering that they are about to lay off 4000 company wide they are probably a little on edge. Funny thing I owe them from a card I had over 10 years ago (that my mother ran up) and they haven't said a thing to me. That is the nature of our company since we have this thing called "Blue Box Values". Anytime any of you expereince rudeness let a supervisor know and write to Ken Chenault if you have to. In my experience I have known them to give customers what they want including money, additional credit increases, and membership rewards points to make them happy and fire the rude employee or put them on counseling (ooooo warning). At any rate when you try to get the card be persistent, they will give in, 'cause they need that annual fee to pay me.(LOL)....Does anyone have the Centurion Card yet (you know the one with the $1000 annual fee)?
sph:U must call the 800# before the 24hr or after the 24hr period? and please, how did u figure this out? kev
Sometimes it takes the phone applications 5 minutes to be in the system and some times up to 24 hours.Keep calling 1-800-962-7227 and if you get the "we recieved your apllication for the........card"message it is in the system.BTW request instant approval when doing phone apps.
