CLAUDIA661

23 Contributions 190 People Helped Top Contributor

Member Since: November 2013

Most Helpful Contribution

American Express Cash Magnet® Card

Mar 15, 2019
Easy application
Helpful to 105 out of 110 people

I applied for this card with an EX score of 729 and CK says I had Fair odds with a cs of 697. I went to their website to apply to make sure I got the welcome bonus. I was instantly approved for 2k. I think I got a low limit because I only have secured cards and this is my first unsecured one. I have secured BOA and Disco. No collections and a car loan I just payed off. Credit history 11 yrs. Hard Inquires 9. I live in California and 95% of the lenders are pulling Experian so my Experian inquries are terrible. Payment history is at 100% payed on time. Total accounts only 5. Keep your limit to 30% or less and you'll be just fine.

Activity (23 Total Contributions)

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American Express Cash Magnet® Card

Mar 15, 2019
Easy application
Helpful to 105 out of 110 people

I applied for this card with an EX score of 729 and CK says I had Fair odds with a cs of 697. I went to their website to apply to make sure I got the welcome bonus. I was instantly approved for 2k. I think I got a low limit because I only have secured cards and this is my first unsecured one. I have secured BOA and Disco. No collections and a car loan I just payed off. Credit history 11 yrs. Hard Inquires 9. I live in California and 95% of the lenders are pulling Experian so my Experian inquries are terrible. Payment history is at 100% payed on time. Total accounts only 5. Keep your limit to 30% or less and you'll be just fine.

Citi® Secured Mastercard®

Feb 09, 2019
Helpful to 12 out of 12 people

What a second...you went over your limit and your mad at them?? This is number 1s fault...yours.

Platinum Card® from American Express

Sep 30, 2019
Helpful to 9 out of 9 people

I have heard of this before with other credit cards. Banks get scared when the bill keeps going up and its not being payed off every week. They feel like the card is being charged up and then the person takes their whole check to pay it off. I'm not saying you would have not payed, I'm just saying they get scared when they see this sometimes. Even though it's a charge card, we still have a limit based on our total credit card limit among all cards.

American Express Cash Magnet® Card

Apr 17, 2019
Helpful to 7 out of 7 people

Update: I spent the 1k for the welcome bonus in two weeks of receiving the card and today I got my statement credit for $200. I thought it was $150 but I'll take it! Thanks AMEX

American Express Cash Magnet® Card

Mar 14, 2019
Helpful to 12 out of 13 people

When you already have an amex card, its a soft pull..so she must already have a different card from them.

BankAmericard® Credit Card

Dec 17, 2018
Helpful to 19 out of 23 people

I have a boa checking, savings, and business accounts so after 3 weeks of research and reading reviews, I applied with a bottom CS acroos the board of 601. They pulled EQ and EX. I was approved in 60 seconds and got the congrats page. I had put down $400. About 2 weeks later my CS went up 83 points without even making a payment yet. Its a basic card with no rewards but no annual fee. Easy website, great customer service. I want to graduate to their cash rewards card. Right now my CS is 683.

Ink Business Cash℠ Credit Card

Sep 06, 2019
So far so good
Helpful to 4 out of 4 people

I applied for this card and they pulled EX which was 704. I live in Nevada. My history is 1 yr 3 months. 3 other personal cards that are 8 months old..BOA Secured, Disco, and Amex Cash Magnet. Payment history exceptional. Utilization is exceptional. no collections or public record. I applied for Amazon business (got approved) and then a few hours later the chase business Ink cash and approved for 7k. Love the 0 interest for 12 months. It did not report to my personal consumer report. I did a lot of research online about why its inportant to have a business card and I'm very happy. I will be going for the Ink preferred next.

Platinum Card® from American Express

Oct 10, 2019
Helpful to 3 out of 3 people

Actually yes the charge cards do have a limit. After so much spending your card can be turned off. I called amex to ask what my spending power was for this card and they said 10k. I heard its based on your other total spending limit on all cards but I don't know how true this is, but its true for me.

American Express Cash Magnet® Card

Jul 17, 2019
Helpful to 3 out of 3 people

Its only the first 30 days you have to wait. You can also call and make a payments over the phone during the first month.

Capital One® Secured Mastercard®

Jul 03, 2019
Helpful to 3 out of 3 people

Never make a payment only one day early...anything can go wrong with any credit card company.

Bank of America Auto Loans

Mar 21, 2019
Helpful to 3 out of 3 people

Even with auto pay, people still need to check..I don't trust a computer paying my bills for me so I rather do it myself. I have seen this issue with many companies..Its not just BOA

Credit One Bank® Cash Back Rewards Credit Card

Jul 01, 2019
Helpful to 2 out of 2 people

You can't pay the bill the day before. It may not clear in time and yes you get a late fee. The payment needs at least 72 hours. Amex has fast payments so everyone is different.

American Express Cash Magnet® Card

Apr 03, 2019
Helpful to 2 out of 2 people

All you had to do was pay multiple times a month..Call customer service and they will GLADLY take your money.

Discover it® Secured Credit Card

Dec 17, 2018
Great Starter Card
Helpful to 4 out of 5 people

I decided to apply 3 days after getting approved for the BOA secured card. I got the 'ol wait for us to decide page. The next morning I check and I was approved. My lowest CS was 601 EX and they pulled EX and I am also in California ( which i hear depending on where you live can depend on which company they pull) So, my CS wnt up 83 points 2 weeks later. My statement  will close in a few days and my utilization is at 1% so Im interested to see how it will look on my report. So far no cash back but I'm guessing that may take some time to sho on the statement. If not I will call and find out. Advise I can give is knock out as much debt as you can befor applying. Show the lender that you can be extended more debt because you are paying off old debt first.

Capital One® Platinum Credit Card

Aug 13, 2019
Helpful to 1 out of 1 people

Secured cards and consumer accounts make your score go down. You really only need one secured card. After 6m to a year, start with a low rewards card and work your way up.

American Express Cash Magnet® Card

Jul 22, 2019
Helpful to 1 out of 2 people

I was not pre approved and still got approved. Not everyone sends out pre approval letters so don't, don't apply based on that alone.

American Express Cash Magnet® Card

Mar 14, 2019

I applied and they pulled EX which was 726 and CK says Fair approval odds with a score of 697. I have 2 secured cards for 3 months..Disco and BOA. No collections. I was approved instantly with a limit of 2k. I think my limit is low because I have only secured cards. Income over 75k. I will update on how it goes...

Discover it® Secured Credit Card

Nov 30, 2018
I'm serious about rebuilding

***Honest Review*** Six months ago I had 4 medical collections (total $800), one 30-day late car payment from 6 yrs ago and only about 2 inquires. Nothing else. I went and applied for a car loan and ended up with a high interest rate (16%) due to me not paying more attention to my credit score. My credit scores were all poor. about 573. I paid off all the collections and hired a credit company to knock off the 30-day late payment which they did. It took about 30 days for the collections to fall off. With each one my score went up nicely. I spoke to my business bank rep and he said wait 60 days to apply for credit after the collections come off and I did. I applied for a boa secured card with credit scores from 604 to 641. I was approved on the spot and I have 3 accounts with boa already: checking, business, and a savings. A few days later, I applied for the Disco Secured (Lol) with the same credit score. Boa did report my card as secured so it dropped one point. So with Disco I was told to wait for an acceptance letter. I logged in this morning to their website and I got the Congrats message and I only wanted to put down the $200. My main focus is to just get my credit score up with only 10% from each card. I also have the six year car loan that will be paid in one yar so I can save a ton on interest...yes I am attacking my credit score and it is so worth the fight. My goal is to buy a home in 3 years. I hope this helps someone!

Discover it® Secured Credit Card

Nov 30, 2018
I'm Serious About Rebuilding

***HONST REVIEW*** Six months ago I had 4 medical collections (total $800), one 30-day late car payment from 6 yrs ago and only about 2 inquires. Nothing else. I went and applied for a car loan and ended up with a high interest rate (16%) due to me not paying more attention to my credit score. My credit scores were all poor. about 573. I paid off all the collections and hired a credit company to knock off the 30-day late payment which they did. It took about 30 days for the collections to fall off. With each one my score went up nicely. I spoke to my business bank rep and he said wait 60 days to apply for credit after the collections come off and I did. I applied for a boa secured card with credit scores from 604 to 641. I was approved on the spot and I have 3 accounts with boa already: checking, business, and a savings. A few days later, I applied for the Disco Secured (Lol) with the same credit score. Boa did report my card as secured so it dropped one point. So with Disco I was told to wait for an acceptance letter. I logged in this morning to their website and I got the Congrats message and I only wanted to put down the $200. My main focus is to just get my credit score up with only 10% from each card. I also have the six year car loan that will be paid in one yar so I can save a ton on interest...yes I am attacking my credit score and it is so worth the fight. My goal is to buy a home in 3 years. I hope this helps someone!

Ink Business Cash℠ Credit Card

Sep 06, 2019

Also the numbers on this card are on the front so it looks very outdated. Raised account numbers that will wear over time. All my other cards have etched numbers and dated on the backside..looks very sleek this way.

Citi Rewards+℠ Card

Sep 01, 2019

We don't know the whole story either. They could have just applied for another card and this one was one too many. Too many other factors could have caused this when they applied.

Discover it® Secured Credit Card

Jul 25, 2019

This is not true. I added money 2 months after getting it and they graduated me on time.

Chase Freedom®

Mar 15, 2019

If you want your daughter to have a different number then she has to apply for her own card.

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