question about applications...

Discussion in 'Credit Talk' started by ero2, Jul 11, 2003.

  1. ero2

    ero2 Well-Known Member

    where it says own or rent, if I live with my parents what should I put? Also when it says mortgage, and I live with my parents and pay nothing what should I say? I usually say own and say mortgage 0.00 but just cruious what you guys think I should put?
     
  2. ero2

    ero2 Well-Known Member

    or should I just call and apply for them, esplaining to the rep my situation.
     
  3. GEORGE

    GEORGE Well-Known Member

    MORTGAGE/RENT---->$0

    "IF" it has an answer "OTHER" or "LIVE WITH PARENTS" that is what you want...

    "IF" YOU don't own the house...you really should not put "OWN" (IF YOU DON'T HAVE ANY OTHER CHOICE (answer wise)...THEN PUT OWN OR RENT $0)
     
  4. ero2

    ero2 Well-Known Member

    it only has own or rent and i have to apply online to get the 4000 point bonus, should I just put own and o$?
     
  5. GEORGE

    GEORGE Well-Known Member

    Re: Re: question about applications...

    Since it does not have "LIVE WITH PARENTS" or "OTHER"...put OWN or RENT it does not matter...$0
     
  6. ero2

    ero2 Well-Known Member

    I just applied for starwood and got this

    We're sorry -- the system is not responding so we are unable to provide you with a decision at this time.

    However, we have all of the application information needed for processing. Your application will be processed as soon as possible, and we will notify you of the decision by mail in just a few weeks.

    Thank you for applying!

    is this a no?
     
  7. GEORGE

    GEORGE Well-Known Member

    Re: Re: question about applications...

    MAYBE...MAYBE NOT!!!

    1-800-641-2400
    or
    1-800-962-7227

    I "THINK" ONE IS 8AM-9PM NY TIME...THE OTHER 24/7
     
  8. ero2

    ero2 Well-Known Member

    Re: Re: question about applications

    is there a rule that you cannot apply for 2 amexes within 60 days or something to that effect? It looks like I will have to wait till monday, why have online approvals, with a decision in "2 minutes" if it is not working? Also, if I am declined for some reason can I call back and talk to a CSR about my being declined?
     
  9. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: question about applications

    It may be DOWN for "UP-DATING"

    Many card companies kinda' SHUT DOWN (OR UP-DATE) between 10pm-2am NY TIME

    It is NOT a 100% GUARANTEED DENIAL!!!!!

    MONDAY is not that far away!!!

    You "MAY" get an answer SATURDAY!!!
     
  10. ero2

    ero2 Well-Known Member

    Re: Re: Re: question about applications

    sorry, I am impatient:) Thanks George, I guess I just figured since I have blue it was a sure thing. Maybe I was wrong...
     
  11. ero2

    ero2 Well-Known Member

    Re: Re: Re: question about applications

    alright so i called today to check the status, they said they recieved the app, but then tranfer me to new accounts, new accounts ic closed, I hate machines, so I call the apply by phone department and they lady says she can give me a decision right then and there if I give her an app, I say will that give me 2 inqs, she says no, and I say well, I'll call back, should I have just given her another app, she said, even if the other app does go through it will cancel out the original, what do ya think?
     
  12. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Re: question about applications

    WAIT TILL MONDAY
     
  13. ero2

    ero2 Well-Known Member

    Re: Re: Re: Re: question about applications

    cool, thanks george, I know I have been applying for too many cards lately and am stopping with this one, hopefully I will still get approved for this one though! I will let everyone know on Monday!
     
  14. SoParkDiva

    SoParkDiva Well-Known Member

    Re: Re: question about applications...

    I received the same response when I applied for my amex card. I didn't call them. I was approved. =)
     
  15. ero2

    ero2 Well-Known Member

    Re: Re: question about applications

    cool thanks for my confidence boost :) I just think it is stupid for no one to be there to run applications on the weekends, that is what bothers me the most I think, if I would've just applied over the phone I woul've known right away. I applied online to get a bonus point deal and came to find out that the bonus deal I was applying for was already ended:-(
     
  16. ero2

    ero2 Well-Known Member

    Re: Re: question about applications

    GEORGE, I know you are the pro on this, can I once I get approved have my blue CL combined with my starwoods CL and then have them close my blue? or would I be better off just leaving both of them open for a while?
     
  17. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: question about applications

    I'm NOT the AMEX EXPERT...I couldn't even get a "PRE-APPROVED" GOLD DELTA CARD
    or a "PRE-APPROVED CASH BACK CARD!!!

    I had to do a "SPIN-OFF" from BLUE to get it...(DELTA GOLD)

    It cost me 3 or 4 "HARD" inquires for my trouble!!!

    I still have not got any limit increases in 3.5 YEARS!!!

    UYGF

    "IF" you get a better deal with one than the other...combine them with "NEW ACCOUNTS"

    STARWOOD GIVES 25,000 MILES FOR 20,000 POINTS...1.25 MILES/$1.00

    Points to Miles Conversion
    The Starwood Preferred Guest program is an frequent guest program in which you can accumulate Starpoints for free
    hotel stays at luxury hotels such as Westin, W Hotel, Sheraton, St. Regis and more. One amazing feature of this
    program is you can redeem your Starpoints for miles of over 25 major mileage programs(AA, UA, USAir, Delta, Northwest, Alaska.. you name it).
    Most exchange rates are 1-to-1 with no penalty and no fee. The minimum number of points to transfer each time is 2500 points. It gets even better when
    you transfer 20,000 Starpoints to miles, because you will get a 5000 miles bonus. Essentially, 20,000 Starpoints would get you 25,000 miles! It's not
    surprising Starwood Preferred Guest program has been awarded the Freddie Award in the best award category. This category honors a Freddie to the points
    to miles conversion which has become popular among Preferred Guest members.
     
  18. ero2

    ero2 Well-Known Member

    Re: Re: Re: question about applications

    yeah that is why I signed up, seems like one of the best rewards programs out, in my opinion.
     
  19. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: question about applications

    FIRST YEAR FREE...SECOND YEAR $30

    Not sure if that offer is ON-GOING...or a limited time offer...
     
  20. ero2

    ero2 Well-Known Member

    Re: Re: Re: question about applications

    yup, still ongoing, the thing that makes me mad is that I applied online for a card that I thought I would get extra points for and now I find out that I could've applied over the phone and got an instant approval(or denial) because the deal was expired and maybe the link too, it just makes me mad that I could've found out right away because I would've just called since I can't get the deal anyways.
     

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