Fast 2 Learn Cards

Apple Credit card Through Juniper

admin — Sat, 13 Mar 2010 17:05:16 +0000

My friend applied and was declined, he called back door number and they asked how much he would like, he wants to buy the iPad so he told him $700 and the guy said approved. TU 638 1 paid collection and 1 open credit card (Macy’s 1 month) and some old closed accounts.

WFNNB/Abercrombie appeal letter

jedwan — Sat, 13 Mar 2010 12:08:39 +0000

Hey guys. I was recently denied for an Abercrombie & Fitch credit card through WFNNB for too many inquiries on my report, and nothing else. That was the only reason.

here’s the letter I typed up, let me know what you guys think? suggestions are welcome!

Dear Sir or Madam:

I am writing you in regards to my recent denial of your Abercrombie & Fitch credit card. The reason for my denial was because of too many inquiries on my credit report. I understand that you may view too many inquiries as a potential credit risk, but in my situation this is not the case.

Currently, I already have two credit cards issued from WFNNB, one from Express and one from PacSun. I also have a credit card from HSN, through WFCB, which I believe is an affiliate of yours. All of my credit cards from your bank have been in good standing, with no late payments ever. Some months I even pay the balance in full.

Back to the reason for my recent denial, too many credit inquiries. This is because I recently signed up for new cell phone service with T-Mobile, which incidentally pulled a credit report. I also recently financed some furniture (from HSN), and recently applied (and got approved) for credit cards from Macy’s, Bloomingdale’s, and the PacSun card I have is also new. This would be the reason I have too many credit inquiries, and it is my honest personal opinion that this should not be considered as a credit risk, at least in my case.

I am very satisfied with my current credit cards from WFNNB. The first card that I opened, for the Express student card, was when I was 18 when no credit card company approved me for any sort of credit; but WFNNB was very gracious and approved me for credit instantly at the Express store. That card has indeed been a blessing. Because of it, I built credit history, and after having the card for a year, I have established a credit score with Experian of 687. This allowed me to open many new cards and establish even more history. So, when I got denied for the Abercrombie & Fitch credit card, I didn’t think this was a very well-thought from WFNNB.

I am asking you to reconsider my denial of your Abercrombie & Fitch credit card, as I am already a happy WFNNB cardholder, and it is in my honest opinion that you will continue to be happy with me as a customer and new cardholder of the Abercrombie card.

I would like to thank you for taking the time to read this letter, and I am looking forward to approval and receipt of my Abercrombie & Fitch credit card.

Addison Avenue CU

jedwan — Sat, 13 Mar 2010 04:31:57 +0000

I just got a checking account with Addison Avenue and want to get a CC with them, can anyone tell me what scores they are looking for and what report they pull.

Thanks

Can I get a Credit Limit increase from Juniper?

admin — Sat, 13 Mar 2010 04:31:56 +0000

I have a regular old Juniper Mastercard. It was at %7.9 apr until the rate jack festival started. Now it is at 12.9% with a $2500 CL. Anyway, I run it up to 90% then pay it down right away. Then I run it all the way up and pay it down to zero the same monh again. Doyou think I can get a CLI if I call them?

Authorized User on CC Question

jedwan — Fri, 12 Mar 2010 20:59:30 +0000

My father has a Mastercard from 1993, no lates ever, 10K credit limit, 0.00 balance etc etc. He was going to add me as an AU. They did not ask for my SS# just my name. Will this still show up on my CR? Can I expect an increase?

Much thanks!

WFNNB cards and a question about their interest rates

jedwan — Fri, 12 Mar 2010 20:59:29 +0000

So, I have several cards w/ WFNNB including Victorias Secret, J Crew and Pottery Barn. There was a message on my statements last month, saying that they were removing the minimum interest rate on the account and that the interest rate would, from now on, be based on the prime rate. This was good news for me, as the interest rates dropped last month from 24.99% to 16ish%. Well, I just looked at my statements for this month and both the VS and JCrew account interest rates are back up to 24.99%!! The PB card stayed at the same interest rate- 16 or so pct. Has anyone else noticed this? I plan to call these accounts today and ask what is up. I don’t believe that the prime rate shot up.

FYI: Combining CL’s with USAA

admin — Fri, 12 Mar 2010 20:59:29 +0000

USAA does not combine CC’s.

They will “re-alocate” the CL from one card into the existing CL of a second card. However, they can only reduce the CL of the first card down to the “card minimum CL” which is $1000.

So in my case, if I wanted to get rid of the AMEX and move my CL’s to my MC, then cancel AMEX, I would surrender (lose) $1000 on the AMEX at time of close, because you cannot re-alocate below the minimum CL.

Just an FYI because I am probably going to combine my NFCU cc’s and USAA cc’s and just found this out from CSR today.

Re: Port Forwarding on BT Versatility Broadband Module

jedwan — Fri, 12 Mar 2010 18:42:04 +0000

I too have the same issue , pretty much followed the instructions to the letter.

Some of the screenshots look precisely the same. The only thing different i am trying to do is to access FTP from outside on port 21 , i’m not trying to port redirect to different port numbers.

I also have upgraded to v189

The firmware is seriously clunky .. but any tips would be greatly appreciated… and i dont want to put the server in the DMZ just to get to the FTP port.

HSBC reports when?

admin — Fri, 12 Mar 2010 18:42:01 +0000

i just got a HSBC card and I was wondering what all I should know about this card! I asked when it reports to the credit bureaus and I was told the last business day of the month. Is this correct in your experience?

I’m throwing my best friend a baby shower and I have charged the deposit and cake on this card and wlll be paid back from some of the hostesses, but I want to be sure that I’m PIF before the reporting. Thanks!

I can’t understand

jedwan — Fri, 12 Mar 2010 18:42:00 +0000

Moved to Understanding FICO Scoring.