follow up
A few weeks ago I posted that Im going to try to quit smoking and I received some tips from the forum well Im proud to say its been 2 weeks smoke free the gum seems to help the hard times thanks tobaccofreeflorida .com and thanks to the forum tips
Categories: Xmas Tags: few-weeks, forum, free-the-gum, from-the-forum, gum-seems, hard-times, help-the-hard, quit-smoking, received-some, say-its, the-forum, weeks-smoke
OLD NAVY VISA UPGRADE-ANY RECENT EXPERIENCE?
Just got letter advising my Old navy card (current cli $1200) is being upgraded to a Visa. I've read quite a few posts about the Old Navy visa on this forum, but still haven't garnered a lot of info. I'm hoping someone has some recent experience they can share. Will the card be reported with the same age as the store card it replaces, or does it report as a new card?? I saw a post advising they had $900 CL on store card and Visa was issued at $3000 (or $5K...don't remember exactly). Is the limit usually higher with the Visa? Any upsides or downsides I need to consider or be aware of with this upgrade? Please chime in if you're familiar with this card!!
Categories: credit-cards Tags: being-upgraded, card, current-cli, does-it-report, forum, hoping-someone, store, will-the-card
AMEX Gold Rewards APPROVED.
I decide to pull the trigger.... figured hell everyone else is getting an American Express card why not me. I went through the pre-selected app and the Gold,Green and Hilton were pre-selected for me so I went with the Gold Rewards and received the 60 second instant approval. I didn't think my scores were high enough but based on some commentary in this forum it looks like American Express uses it's own scoring, but still happy nonetheless. Fico scores are TU 651, EQ 669 and EX I'm not sure because they don't offer it on myfico. AAoA is 1 year and I make 19,000 a year ,no late payments ever and nothing derogatory. Reports are clean
Categories: credit-cards Tags: based-on-some, figured-hell, forum, gold, late-payments, own-scoring, scores, went-through
Just noticed something
I have opened up like 15 new accounts in the past 2 years in a way i feel kind of bad cause some of these accounts i don't really need like the store cards. I have taken the hits so I'm gonna hang on to them. I wish i would have found this forum like 5 years ago. When i was in my BK i didn't apply for credit cause i thought i wouldn't get approved for anything.
Categories: credit-cards Tags: bad-cause, feel-kind, forum, get-approved, gonna-hang, hits, new-accounts, store, taken-the-hits, these-accounts
Windows 7. NEW APPS !!!.
Though I'm not the big Tech person out there like a few of you on this forum, I can get around my OM 2 pretty good and have relied on this forum and you techies for help from time to time which I thank you. But I wonder on the next OS that's coming out WM 7 if its going to make us learn all again. I don't mind exercising the old grey matter but come on Microsoft quit with the updates and the new and improved OS. Verizon and Microsoft have been yoyoing us along with the windows 5,6 and 6.5 and now 7. No wonder iphone does so well, they just keep improving on the same phone with the same OS., thus nobody has to relearn again. Not that I'd want the iPhone,, just to many draw backs for me. Besides that I like my OM 2 Hopefully Microsoft has figured out that they can't do the same thing that they've done with the PC OS over the years....every three years its a new Windows. They've lost to much market share with the cell phone upgrades to keep just making a new windows off they old windows. Maybe starting fresh and staying with the SAME OS they can start to gain it back. The biggest gripe that I've got against Verizon and Microsoft is the stinking apps. Yeah there's tons of them out, and you have to look all over for them, but finding one that works is a real pain. Weather you have a Imagio, OM-2 or a Droid it seams that any given site that you go to you have to read the reviews to see if it works on your phone or try the trial version, and even then there's no guarantee that it will work on your phone. I think in the last two weeks I've tried at least 18 different apps that are supposed to work on the OM-2 and low and behold NOT...or they just partially work. I would think that when a OS is put on a phone a particular app that is designed for that OS i.e.Windows 6.5 it would work. Its not only the Mfg. that limit the OS but its the provider, i.e. Verizon, Sprint ,etc that sets up certain criteria for the OS. I truly hope that this is the last OS that Microsoft puts out for awhile. And along with that I hope that the apps are designed and are some what regulated to operate on all phones with the WM 7. Not everyone likes there neighbors phone nor does a particular phone work well with me that might work well for some one else, but the apps should work WELL for all phones that have the WM 7.. Microsoft has said bluntly that no old phones will be upgradeable to WM 7, they have dictated that all new phones will have certain hardware requirements...So why can't they have the same requirements when it comes to apps.All phones will be required to accept all apps that are WM 7 approved.Pretty simple. Heck even Verizon app page is limited only to certain phones when it comes to downloading apps. Most all the apps that are there on the new My Verizon page won't go on the OM 2. Just think of it..a carrier that has a couple three good smart phones that had thousands of apps the business they could do. AT&T came close, the only thing that they have is one good phone (iPhone) with a few thousand apps, but in the toilet service. Again that's why iphone is so popular, when a app is designed for it (the phone) it usually works. You don't have to worry what type of phone you have or what carrier you have...it just works. The OS wasn't put on a few hundred different phones. I didn't figure on spending this kind of money on this phone to fine out that only 30% of the apps out there work,,could be more. Don't have the time to try them all...no one does. I don't plan on buying any phone with WM 7 for some time, as with any item that is the first out there, I let some one else be the first to buy along with the first to find out all the problems that it has. Usally a year before I buy. Well that's my 2 cents worth.
Damn it’s good to get credit again
I've come along way (low 400's to the 700's) with the help of this forum and another forum, I have fixed up my credit and have been able to get a mortgage, a personal loan, Target card, Walmart card, Orchard CC, Alliant CC, an auto loan, John Deere credit & Carecredit. It feels GREAAAAT to qualify for credit again. I'm done now applying for any more credit. I have what I need. Thanks to all!!:smileyvery-happy:
Categories: credit-cards Tags: alliant, auto-loan, credit, done-now, forum, orchard, personal-loan, walmart
Paying down CC’s
Hi, I am new to the forum. I have some money to put towards my credit card debt. I cannot pay it all off yet, but wondering if it would be best to pay all of one off, or 2 smaller ones off. Or does it even make a difference. TIA
Categories: credit-cards Tags: credit, credit-card, does-it-even, even-make, forum, put-towards, smaller-ones, tia
Cap One Credit Steps a phony?
I was supposed to get my first CLI through this Credit Steps program after my third statement, but it's been over a week since that statement and I still dont see and love from Cap One people :-( I tried calling one of the backdoor numbers listed on this forum and the lady I talked to said that I would "PROBABLY" get a CLI in June or July. I was like WT*?? " I pay in full every month just for this?" and she was like "I'm sorry theres nothing I can do for you, thank you for calling Crapital One" :-( Anybody gotten lucky with Crapital One in 2010?
Categories: credit-cards Tags: backdoor, crapital, credit, credit-steps, forum, numbers-listed, sorry-theres, the-backdoor, third-statement, tried-calling
Macy’s / Bloomingdales CLI
I just called Macy's and got a 700.00 CLI. The CSR asked for my annual income, then said I was approved for a 700.00 increase. From all the readings in this forum I made sure to ask if a hard pull was needed, CSR said no hard pull was done, she said she has to inform me first that a hard pull will be made. Then I called Bloomingdales. I received no CLI. CSR said she needed to pull my credit since there is nothing current on file during the past 60 days. I said, No Thank You. EQ - 738 (FICO) TU - 701 (FICO)
Categories: credit-cards Tags: annual, annual-income, credit, credit-since, current-on-file, during-the-past, file-during, forum, made-sure, nothing-current, past, readings, then-said
PENFED (any chance)
I've read lots of goodies in this forum abt Penfed esp. gas rebates, low apr, etc but jst afraid to try with them. I got bk in 07 disch. & have slowly rebuilt my cs now @ 660/ 690 both FICO, any advice would be appreciated. Thnks.
Categories: credit-cards Tags: esp-gas, fico, forum, jst-afraid, low-apr, penfed, read-lots