Search: Posts Made By: oceandreamer
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Apr 29, 15, 3:04 am
Replies: 11
Views: 4,484
Posted By oceandreamer

Some of us already have massive credit lines with...

Some of us already have massive credit lines with Chase. Auto CLIs don't happen, regardless of spending levels, and all new account requests are generally manually reviewed.
Apr 29, 15, 3:01 am
Replies: 11
Views: 4,484
Posted By oceandreamer

To build on this, yes...reallocating and going...

To build on this, yes...reallocating and going beyond a $35k limit on a single Chase/JP Morgan card requires lending officer approval. When you call, you're transferred to a lending officer, who...
Oct 27, 14, 11:00 pm
Replies: 229
Views: 73,140
Posted By oceandreamer

Don't want to pop the bubble, but this is not...

Don't want to pop the bubble, but this is not likely to happen. :( If you were absolutely guaranteed a $50k limit if approved, I'd say go for it. But unfortunately, Wells Fargo is notorious for...
Oct 5, 14, 3:00 am
Replies: 2
Views: 849
Posted By oceandreamer

Brussels, Belgium - Mobistar mobile phone...

Brussels, Belgium - Mobistar mobile phone service: Yes - 5x points every month.

Haven't tested gas or cable service charges. Don't recall ever using it for our hotel stays. Will check old...
Sep 2, 14, 3:35 am
Replies: 10
Views: 3,521
Posted By oceandreamer

I'm going to do exactly what you've done in this...

I'm going to do exactly what you've done in this scenario. ^ I have a very similar profile, with high income and FICO 08 scores in the 840-850 range. US Bank Club Carlson will be first, with a...
Mar 5, 14, 7:11 am
Replies: 102
Views: 26,771
Posted By oceandreamer

Both the Discover and Barclay's scores are...

Both the Discover and Barclay's scores are non-enhanced FICO 2008 scores from TransUnion. They match the WalMart Credit/Discover Card score, which was one of the first to offer a free FICO 08 score...
Nov 8, 13, 1:19 pm
Replies: 31
Views: 7,992
Posted By oceandreamer

Very good point, and I definitely checked during...

Very good point, and I definitely checked during my last trip a couple weeks ago. Our Chase cards have no foreign transaction fees, and the exchange rate in Europe for Euro-based purchases was right...
Nov 6, 13, 5:37 pm
Replies: 3
Views: 1,328
Posted By oceandreamer

Glad to see this post, and that I'm not the only ...

Glad to see this post, and that I'm not the only one. I noticed a $1 pending charge on one of my Amex cards a few days ago, and am suspicious as well. I don't do business with that particular...
Nov 6, 13, 1:55 pm
Replies: 102
Views: 26,771
Posted By oceandreamer

This is definitely the TU FICO 08 score. The...

This is definitely the TU FICO 08 score. The same score Walmart card holders receive for free each month. The difference is it seems to update only when Barclays last conducted a soft inquiry on TU...
Sep 7, 13, 7:17 pm
Replies: 521
Views: 86,309
Posted By oceandreamer

Same experience for me. 10k points posted...

Same experience for me. 10k points posted quickly after first purchase.

Also, I hit the $5k spend less than 10 days ago, and the additional 20k points posted sometime in the past couple days. ...
Aug 15, 13, 4:29 pm
Replies: 489
Views: 202,296
Posted By oceandreamer

Kohl's card holders get 30% off deals...

Kohl's card holders get 30% off deals periodically by using the card for purchases. There are almost always 15% off promos going on, with or without the card.

We only buy at Kohl's when it's...
Aug 15, 13, 8:18 am
Replies: 489
Views: 202,296
Posted By oceandreamer

A data point: We just received an email...

A data point:

We just received an email notification for ~3400 UR points awarded on a $340ish purchase (made about 1 week ago) at Kohl's via the Ultimate Rewards portal. This was after...
Aug 15, 13, 8:02 am
Replies: 12
Views: 2,480
Posted By oceandreamer

I don't want to rain on anyone's parade, but BofA...

I don't want to rain on anyone's parade, but BofA is notoriously difficult and downright obstinate in refusing to remove any "legitimate" derogs from people's credit, regardless of reason. I know of...
Aug 14, 13, 5:29 am
Replies: 3,399
Views: 1,005,572
Posted By oceandreamer

I vote with FindAway and bribro on not canceling...

I vote with FindAway and bribro on not canceling the card until you see what they do on the CSP application. $75k in limits across 3 Chase cards is solid but not "high" per se. They may be willing...
Aug 14, 13, 3:28 am
Replies: 38
Views: 26,504
Posted By oceandreamer

So the post above is a marketing flier for a "by...

So the post above is a marketing flier for a "by invitation" card for their private bank clients....which is supposed to attract their high income applicants...yet proceeds to gush about great...
Aug 12, 13, 1:00 pm
Replies: 903
Views: 237,525
Posted By oceandreamer

No worries. ^

No worries. ^
Aug 12, 13, 1:00 pm
Replies: 903
Views: 237,525
Posted By oceandreamer

It does seem specific...like Chase incorrectly...

It does seem specific...like Chase incorrectly coded some/all of the 60k offer-approved cards when reporting them to the CRAs, and they've popped up on cardholder's personal credit.

Just think...
Aug 9, 13, 12:42 am
Replies: 903
Views: 237,525
Posted By oceandreamer

Greetings, I pulled my credit reports today...

Greetings,

I pulled my credit reports today from Experian, TransUnion and Equifax and noticed that Chase is reporting my Ink Bold business card on my personal credit. I know this was not Chase's...
Aug 7, 13, 12:39 am
Replies: 521
Views: 86,309
Posted By oceandreamer

Current Amex Platinum and Blue Cash cardholder. ...

Current Amex Platinum and Blue Cash cardholder. Applied Monday (yesterday) via email invite and was instantly approved for the SPG personal with 30k points after $5k/6 months spend.

The...
Aug 7, 13, 12:04 am
Replies: 903
Views: 237,525
Posted By oceandreamer

The secure message took care of it. The second...

The secure message took care of it. The second statement doesn't cut until mid-August. I just checked the account online, and there was a second Chase CSR reply message from yesterday saying they...
Aug 6, 13, 4:04 pm
Replies: 903
Views: 237,525
Posted By oceandreamer

Yes, I monitor all three through a daily puller,...

Yes, I monitor all three through a daily puller, along with the usual freebies.

We sent a secure message to Chase regarding the Bold reporting on my spouse's credit (all 3 CRAs now). They...
Aug 1, 13, 3:54 pm
Replies: 521
Views: 86,309
Posted By oceandreamer

Any Centurion Bank-issued American Express card...

Any Centurion Bank-issued American Express card you open will backdate to your oldest Amex's year of opening. So you will never "lose" your oldest Amex so long as you have one open and/or showing on...
Jul 30, 13, 8:33 pm
Replies: 332
Views: 60,836
Posted By oceandreamer

Exactly. If the account is in good standing with...

Exactly. If the account is in good standing with a zero balance, most any AU card can be removed from the AU's credit reports after the AU is terminated. A simple online dispute takes care of this...
Jul 28, 13, 3:09 pm
Replies: 903
Views: 237,525
Posted By oceandreamer

My Chase Ink Bold opened early in the year has...

My Chase Ink Bold opened early in the year has never listed and still is not listed. Hopefully this is just a glitch on the Chase or EX side and will be resolved soon.
Jul 27, 13, 12:15 pm
Replies: 903
Views: 237,525
Posted By oceandreamer

The same thing just happened for my spouse, who...

The same thing just happened for my spouse, who was approved for the 60k promo. It's even showing the credit limit. I've only checked Experian, so unsure if it has hit TU and/or EQ.

My Ink...
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