Okay, I got it out of my system. I applied for the following. Amex Blue with a transfer. Got the pending application message Amex Green with rewards. I think this was approved as the first screen gave me the congrats but we still have to check something out message. If I did get approved it very well means that my past payment pattern with Amex was forgiven. Bank in 1980 I pretty much went NSF and paid late but did not owe them anything nor did I bk on them as Amex closed my account way before I filed. The rest have the message that your app. is pending and we will let you know message. B of A Plt. US Bank Plt. Chase World MC Bank One United Mileage (I did include them in a Bk-13, but currently have a checking account and savings with them) Wife pretty much thought I was insane. Will let the board know yea or nay on all of this. Also will post which CRA were pulled, FICO scores at the start of this and the end. My guess is that my TU will take a big hit as I'm pretty sure TU is used by Amex and Bank One here in my neck of the woods. Like I said wish me luck, at least I did not get an instant NO. Oh well I'm pretty much done applying until 6/2004. Also lock on a fixed rate for my mortgage. Will be closing this month. This was the most important credit issue. Best regards, Mirage
Just got off the phone with AMEX, Green with Pref. Rewards has indeed been approved with a first year membership free and a free year for the wife's AU card as well. Should have it by the 18th. The hold up was my employment status. I guess the CRAs had very little in way of my employment. The Blue is still pending as well as everything else. Best regards, Mirage
Niceguy, thanks. Okay here's the pull info as of now with PG. (Illinois) TU- Bank One, B of A, and US Bank EQ- Amex (only one pull is indicated but I applied for the Blue and Green) So don't know if another pull was done or not. Chase is not indicated anywhere. Now another wrinkle, earlier in the week I had a duplicated TL (Providian). I called TU and they deleted the one of the entry, things were okay until today where PG indicated both TLs are gone! At least my TU utilization looks good as the Providian was just about maxed out 6200/6800. Will not pull FICO until the dust has settled. CE-EX shows no pull as well and the FAKO stands at 691 MyFICO.com scores before the pulls- TU- 730, EXP- 735, EQ-706 Best regards, Mirage
Okay finally got the nerve to call Amex and inquire about the Blue. lol Approved! with a $11,000 CL which will include a BT to Providian. Bye Bye Providian. I was so shocked that I forgot to ask for my APR and if my wife will be getting a AU as well. I remember it was just last summer that out of all my CCs I only got one CLI in the last two years and it was for $60.00 for my Providian Plt. It's a different world when your prime. Looks like Amex only pulled one report as both of my applications were approved and PG as of Nov 5th indicates only one inquiry. Still no inquiry pull from Chase. As for B of A, US Bank and Bank One still no word. Niceguy, you were right! Thanks for the encourgement. Best regards, Mirage
Congratulations!! It is amazing what getting your credit cleaned up does, isn't it? Good luck with the rest, keep us posted.
I just called Amex back regarding the Blue's APR and AU status for the wife. (Wife gets one too) APR is 12.99% fixed. CL $11,000 (Okay need advice on how to get this lower or does the rate lower itself with time and how quickly does the CLI comes?) The BT is 7.99% for the life of the transfer. Future BT is 12.99% Zero on purchases for the first 6 months. 12.99% is high but I have to remember that my lowest APR prior to this is my Cap 1 at %15.35(v) and the rest were in the 19.00% range. Best regards, Mirage
Question on BofA and US Bank Apps. Quick question. I just called B of A and US Bank for a status and the reps are telling me that the application is still processing. I know it's not a denial but are they really working on the app. or is it just a prelude to a denial? As for Bank One there is not even a number that I can call and Chase has not even pull an inquiry. I thought I would get an instant answer, is that not true? Best regards, Mirage
Question on BofA and US Bank Apps. Congrats on the Amex BLue and losing Providian! When I applied for BofA it took a day or two for my app. to be processed too. Others have posted that they had to wait a few days too before approved. Good Luck.
Question on BofA and US Bank Apps. Cinderella, thanks for the reply. I guess I have to wait and see. Best regards, Mirage
Question on BofA and US Bank Apps. Congrats again Mirage! Yep, I told you the Blue would come your way Maybe you can call the new accounts dept 800 number and ask to be considered for a lower fixed APR. They seem to have a lot of power if you call them within 30 days of getting the card (another C'Netter gave me this helpful info). In my case they approved me for $9K initially and I called the 800 number and was upped instantly to $15K within 2 minutes of being on hold (no other inquiries were pulled for this). FYI, EQ was 733 at this time. As for your other apps, were any of those places (BoA especially) included in your BK? Several places were in mine and afraid to apply and waste inquiries, etc. if blacklists really do exist. Some included in my BK were: MBNA People's Bank Chase BoA Discover
Question on BofA and US Bank Apps. Niceguy, thanks for the advice. Will the new accounts lower my APR or increase my CL now or should I wait for the cards to arrive? Also the BT transfer I did might be a good selling point as I can always say I need more of a CL for spending.lol Regarding the blacklist thing: BofA- never bk on them. US Bank- never bk on them. Chase- that one I cannot remember, as I might have. Bank One yes, but that was with First Chicago, which was before they were part of a Bank One merger. Citibank was my big one, 3 accounts. So no Citibank products in my future. As for Amex, I guess they do forgive you if you have a bad paying history with them. In my younger days I was always late and when I paid it the payment has been on occasion gone NSF. Otherwise my account was paid up before they closed it on me. Best regards, Mirage
Question on BofA and US Bank Apps. Good job, Mirage! As for the Blue's APR, call 800-337-9555 for interest rate adjustments ...
Question on BofA and US Bank Apps. vghost, thanks for the advice. Guess I give them a call as soon as the cards arrived as I don't even know my account number. or can I call before? will this screw up my BT? Best regards, Mirage
Re: Question on BofA and US Bank Apps. 1-800-337-9555 ANSWER NO--TAKE THE 8.99% AND BE HAPPY I ASKED IF THE 7.99% ON MY COMPUTER SCREEN WAS MY IMMAGINATION---->"YOU HAVE TO APPLY FOR THE 7.99%" UYGF DO I PRESS MY LUCK AND TRY FOR A 5th AMEX CARD--THEN COMBINE THE TWO BLUE INTO ONE???
Re: Question on BofA and US Bank Apps. Okay just logged on to the B of A website. I've been approved for a BofA Plat. card with a 6k CL. Don't know the APR. Will try to call as soon as my heart stops racing. Niceguy and dogman you there? This is fun! Best regards, Mirage
Re: Question on BofA and US Bank Apps. okay, I tried to call BofA to confirm my APR and CL. The recorded message is stating my application is still pending despite what the website is telling me that I am approved. Chase finally pulled an inquiry on my TU. I pulled my FICO reports from MyFICO.com and yes the promo code of PVN814 is still good. I only pulled TU and EQ as none of my cc apps used EXP. I also noticed that my new mortgage lender/bank pulled two reports on each of my CRs. So on my TU report I have 6 inqs.(4 cc, 2 mortgage) this week and on my EQ report 2 inqs (1 cc, 1 mortgage) I'm guessing the second mortgage pull has not happened but will. So current score from MyFICO.com TU-730 and EQ-707 (I'm not sure if this includes the Inq pulls into the score.) But I will not do another pull until all the new accounts are reporting. Best regards, Mirage
Re: Question on BofA and US Bank Apps. Another successful CL increase with Amex Blue. How do you guys get these. I just received my Blue with a $3,000 CL at 12.99%. I've been trying for a week to get my CL increased and keep getting denied. They tell my that my Blue card is currently my highest credit limit on my reports (which is true), but $3,000 is just so low. Does anyone have any advice? Thanks in advance.
