Churning the AS Signature Visa ?
Mar 29, 2008, 10:02 am
#16
Original Poster
Join Date: Jan 2005
Location: OAK
Programs: AS MVPG 100k
Posts: 3,756
Actually low 800s even if I had zero inquiries in the last 2 years.
And so what ? Even when I was low 700s, it never made a difference to the rate on any loan (I always check). I don't push the multiples on my mortgages, and maybe it would count a little more for someone who did. But you can fix any effect completely in 2 years, so unless you expect to move house or refi in the next 2 years (not most of the population) what difference does it make ?
And so what ? Even when I was low 700s, it never made a difference to the rate on any loan (I always check). I don't push the multiples on my mortgages, and maybe it would count a little more for someone who did. But you can fix any effect completely in 2 years, so unless you expect to move house or refi in the next 2 years (not most of the population) what difference does it make ?
Mar 29, 2008, 11:29 am
#17
Join Date: Nov 2006
Location: SEA
Programs: AS MVPG 75k, UA zilch, IHG Spire, Marriott Plat, Hyatt Plat, Hertz Gold, Avis Presidents
Posts: 1,302
Actually low 800s even if I had zero inquiries in the last 2 years.
And so what ? Even when I was low 700s, it never made a difference to the rate on any loan (I always check). I don't push the multiples on my mortgages, and maybe it would count a little more for someone who did. But you can fix any effect completely in 2 years, so unless you expect to move house or refi in the next 2 years (not most of the population) what difference does it make ?
And so what ? Even when I was low 700s, it never made a difference to the rate on any loan (I always check). I don't push the multiples on my mortgages, and maybe it would count a little more for someone who did. But you can fix any effect completely in 2 years, so unless you expect to move house or refi in the next 2 years (not most of the population) what difference does it make ?
"you want me to pull it all out or just enough to win"
Mar 30, 2008, 9:53 pm
#18
Join Date: Nov 2004
Posts: 291
There's no prize for dieing with the highest FICO score. If you're planning on buying a house or something you shouldn't be churning, otherwise who cares if you're a 750 or 805?
EDIT: Doh, I didn't see the two previous near-identical posts... must check for a 2nd page before posting...
EDIT: Doh, I didn't see the two previous near-identical posts... must check for a 2nd page before posting...
Mar 30, 2008, 10:05 pm
#19
Original Poster
Join Date: Jan 2005
Location: OAK
Programs: AS MVPG 100k
Posts: 3,756