MBNA is great!!!!

time to convert to Quantum card huh?

 

crave1wave,

MBNA are very generous for increasing credit limit . My Garfield Platinium Plus initially approved for $8100 and they increased from 8100 to 10,000. I request my account to Qauntum Card.They also increased credit limit from 10,000 to 10,500 and from 10,500 to 11,100 within two months. They lowered APR from 13.99 ro 11.99% APR.


Ron.

 

GO QUANTUM, IF YOUR INTEREST RATE GOES DOWN...NOT UP...

11.99% is the lowest.

Also you have $30.00 BT fee, not $40.00 BT fee.

BUT THER THERE IS ME, I STILL HAVE NOT GOT AN INCREASE IN 6 YEARS...

I'm going to pay in full, and "DISCOVERCARD" it...SOCK DRAWER (HAVE 1.70% BT RATE)!!!

 

Hey, George, rather than "sockdrawer" all those cards, I have an idea that would result in your achieving a few goals:

1) Your FICO score will increase.
2) You'll qualify for higher lines of credit.
3) You'll be turned down less often for new credit.

Here's the solution: Cancel several cards you never use.

You've acknowledged having almost $100,000 in existing revolving credit. That would be your greatest impediment to seeing any improvements at all on anything you have ever. As a result you now have a sockdrawer full of moribund, rotting cards -- each with lines of credit you would like to improve, and each with APRs that you would like to improve. If you cancel the cards you dislike (like that dreaded Discover), you'll have some wiggle room to improve other cards you do like. Also, as a BONUS: you'll qualify for new cards you'd rather have than some of the fusty ones crowding out your socks. Right now, you're fresh out of wiggle room. Finally, fewer revolving lines with higher LOCs will result in your being welcomed back into the 700 club in no time at all. With the perfect credit you've mentioned, the only reason you're not in the 800 club is the presence of all those old musty cards swimming alongside your socks.

Doc

 

I DON'T HAVE ANY "UN-USED" CARDS...except SEARS...it's only $5,000+ but is
(a since 1978 card)...

FIRST USA IS GONE, IT WAS MY ONLY "UN-USED" CARD...($15,500)

Haven't used AASILVER or AAGOLD because I have NOT got the AAGOLD yet, NOR have I combined to PLATINUM SELECT yet...

 

Hmm, well in that case, you'll have to conduct a bit of psychotherapy with your assortment of existing cards. Basically, you should line them up on your kitchen table and give this therapeutic speech:

"Cards, this is George. This is going to be painful for me because you know how much I love all of you. And don't think for a minute that I love some of you more than others. I love you all. Unfortunately, though, there comes a time when all good things must come to an end. For some of you, that time has come. Don't worry, though. I won't cut you up, and you'll still occupy an honored spot in my sockdrawer. I just won't be able to spend you anymore. But don't worry! You'll still get to commune with your spendable brothers and sisters, and once in awhile I'll take you out and play with you. Now, do you have any questions for me?"

Then sit back and entertain questions from your audience. It's HIGHLY unlikely that you'll hear any questions, though. (And if you do, let me know -- I'll provide a referral for you.) Then, select a few for cancellation. You may find it helpful to use a gardening metaphor: You aren't chopping up your garden. Rather, you're making it possible for fewer plants to grow and prosper. It will be a lot nicer to have a few tall flowers than a whole lot of smaller ones each strangling another as they compete for the same ground.

Just think, George -- in no time at all, you'll be able to kiss the old "I wasn't approved, and neither was my wife, even with our perfect credit and great FICO scores" song goodbye forever! And won't that be exciting!?

Helpfully yours,

Doc

 

Doc, you're hilarious and congrats crave1wave on the $11000 increase.

Dani

 

$9,000 to $20k. Wow! What a country, eh!

 

PsychDoc,


rotflol!!!! That was classic!