birons247

10 Contributions 116 People Helped Top Contributor

Member Since: November 2014

Most Helpful Contribution

Discover it®

May 13, 2016
Approved at last
Helpful to 31 out of 31 people

Like most top tier cards that are in my wallet now, I applied for the Discover IT card prematurely about a year ago when CK said my odds were fair. The familiar buzzer went off; middle finger came up on my screen, and I retreated to the sanctity of my lonely bedroom and staired hopelessly at my secured Cap One card with a 300 limit. My sense of longing for the better cards in life were a pipe dream. I read reviews of people who hit the credit jackpot with high 500s and by some strange cosmic stroke of luck got approved for one of the cards that we credit peons only fantasized about. It was going to take some work. I started paying things, old things that I had long forgotten about but someone somewhere was obviously keeping score. I made deals, not like the shady deals that got me into the mess to begin with. I watched my credit flower blossom. Credit nirvana was near, I could smell it late at night, could taste it in my morning bran, heard it in the laughter of children. And so I applied for the coveted Discover IT card yesterday morning. Must be something about the computer at the office where I work; I was approved for a modest 3k. I don't always waste time while I'm working, but when I do I'm usually applying for top tier cards and being approved. Stay thirsty my friends.

Activity (10 Total Contributions)

Discover it®

May 13, 2016
Approved at last
Helpful to 31 out of 31 people

Like most top tier cards that are in my wallet now, I applied for the Discover IT card prematurely about a year ago when CK said my odds were fair. The familiar buzzer went off; middle finger came up on my screen, and I retreated to the sanctity of my lonely bedroom and staired hopelessly at my secured Cap One card with a 300 limit. My sense of longing for the better cards in life were a pipe dream. I read reviews of people who hit the credit jackpot with high 500s and by some strange cosmic stroke of luck got approved for one of the cards that we credit peons only fantasized about. It was going to take some work. I started paying things, old things that I had long forgotten about but someone somewhere was obviously keeping score. I made deals, not like the shady deals that got me into the mess to begin with. I watched my credit flower blossom. Credit nirvana was near, I could smell it late at night, could taste it in my morning bran, heard it in the laughter of children. And so I applied for the coveted Discover IT card yesterday morning. Must be something about the computer at the office where I work; I was approved for a modest 3k. I don't always waste time while I'm working, but when I do I'm usually applying for top tier cards and being approved. Stay thirsty my friends.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Oct 31, 2015
Awesome!
Helpful to 24 out of 25 people

I had a 300 secured plat card, paid religiously for 6 months. Requested cli, which was denied. I then applied for the quicksilver card and was approved on the steps program with 500. About the time I got my new quicksilver card I noticed my plat card was increased to 600. As I was waiting for the 5th billing cycle on my quicksilver, I thought, why not try a cli. To my surprise, I was approved for an additional 3k! I used my quicksilver card alot, making 10 or more payments each month, and never allowing it to go over 30% on the bill. Cap one auto also sent me a pre approved 34k auto loan, which I have no use for. But all this adds up to building good credit. 

Blue Cash Everyday® Card from American Express

May 12, 2016
Approved for second Amex with high limit
Helpful to 13 out of 13 people

Just shy of a month ago, I couldn't contain myself from going for the Amex Everyday Card. CK listed my odds as fair, and I read the reviews with a growing sense of jealousy. I've been gardening for a little over a year, paying off old stuff, atoning to the triune gods of credit.  Capital One blessed me with unexpected increases, and so I applied for Amex Everyday. I was approved for 15K on the spot. My Experian FICO was 685. After receiving it I paid homage and starting using it. But something was missing in my life. I wanted something more, something...blue. So this morning, as I sat at my desk where memories of getting to third base with lady Amex some twenty-odd days before hung in the air like a mist. My heart was pounding, my palms were sweaty; surely I wouldn't get lucky again. No way Amex would give me, a four-eyed loser turned credit aficionado, another shot at the title. But sheer emotion had taken over. Driven by some unseen force, I applied for the Blue card. Things happened quickly after this, not like the first time when it seemed like forever. It was like, wham. Bam. Approved for 9100. Card is on its way. Good bye. 

Hope this helps. 

Capital One® QuicksilverOne® Cash Rewards Credit Card

May 10, 2016
Automatic 3k CLI
Helpful to 25 out of 29 people

I started this card on the steps program with an initial 500 limit. After reading reviews on CK I used this card for everything and made multiple payments every month. I racked up a bunch of cash back. Just before my 5th cycle I hit the CLI button and was offered a 3k increase. I accepted it and then when my 7th statement hit I was given another 5 hondo. Now I had 4k, and my largest limit. I was proud of this, and bragged to all my friends. My 4k limit was the buzz in the small farm town I grew up in. I may have made the bi-annual paper, but this is not confirmed...Anyways, moving forward, I tried another CLI a couple days ago, got the quick "we'll reply online soon..." message. They replied with the standard "too recent increase" and denied me. But the story doesn't end there: I got up this morning and while sipping my morning roast I checked to see if a payment posted and found a 3k bump! Now I'm sitting on 7k and can't wait to brag to all the farmers back home. I'm expecting a call from the Mayor on this one!

The Amex EveryDay® Credit Card from American Express

Apr 19, 2016
Instant 15K approval with fair odds
Helpful to 9 out of 10 people

My CK is: TU 680 EQ 710 my Experian is 685. I applied for this card about a year ago, with barely 600; CK said chances were fair. I was declined then. Now I applied with improved scores and same fair odds and was instantly approved for 15k! I currently have Cap 1 QS 4k, Cap 1 secured 600 (50% unsecured), 1800 Fingerhut, 500 Men's Wearhouse. This is my first upper tier high limit card. All of my cards are well under 30% usage.

Instant approval of 15k with 10k available immediately-they issue your card number on the spot and grant you access to myaccount online.

Blessings!!

Discover it®

May 18, 2016
It card came today
Helpful to 3 out of 3 people

I was approved for the It card with an initial limit of 3k last week. Hard hit to Equifax only, same as when I applied a year ago (denied). The score included with my card was a FICO Equifax of 687. It took less than a week for the card to arrive, which was in a little cardboard box. I was given tracking info from customer service and the card was sent priority but not expedited. It mailed from Salt Lake City on Monday, at my box on Wednesday. The card is very attractive, with holograms on the mag strip. Looking forward to utilizing 5% cash at restaurants and movies. 

U.S. Bank Cash+™ Visa Signature® Card

Jun 16, 2016
Approved for 5K
Helpful to 8 out of 10 people

I've had my checking and savings with US Bank for about a year and a half. I applied for Cash Plus card at a branch; was given the 7-10 day message. They pulled TU Fico, which was 697. I had 2% utlilization, a couple baddies that are paid. Took about 3 or 4 days for the final approval. I read that they automatically consider you for the lower tier card if you are denied the cash plus; I was approved outright for the cash plus. Received the card pretty quickly; it was visible online before it came in the mail. You must activate the catagory you wish to have the cash back count towards; I chose electronics and made a purchase at Best Buy, which was credited pretty quick to my rewards at 5%. Am happy with the card, was no sign up bonus or intro APR, with the exception of balance transfer.

Discover it®

May 13, 2016
Helpful to 2 out of 2 people

Thanks pearlie12 hope the credit gods offer you a platinum-toothed smile for your Friday!

Quicken Loans Reviews

Mar 01, 2017
Quick, easy, trouble free
Helpful to 1 out of 1 people

I applied for this for a condo in November of 2016. It was my first time buying a home. I had rate shopped at US Bank and a couple of smaller banks, and as a last option reached out to Quicken and applied online. I was immediately offered down payment assistance of 2%, and the rate of 3.625% was much better than US Bank at 4something%. The lady I was chatting with was a little pushy, but I liked everything so I agreed and paid the 500 for the appraisal. Througout the process, my team communicated with me, and I always had access to someone. They were friendly, but a little aloof, professional, but not quite cordial. I didn't care, I just wanted a trouble free experience, which I received. I've read reviews about people having negative experiences; if things wouldn't have been as smooth as they were, I can see where the same reps I was dealing with could have quickly turned my smile upside down. I recommend based on my experience, I micromanaged everything, immediately uploading docs to my site, and checked in several times a day to see if anything was afloat that needed my attention. I closed on time, as promised. If you go with them, be quick to upload your docs, and check in to see if anything further is needed.

state tax return not filed

Feb 06, 2017
MN not accept either

I'm glad I'm not the only one having this issue; I filed my MN state on 1/27, a few days after filing my federal. The federal refund already hit my account, but state stills says Not Accepeted on CK site. MN says they never recieved it. No response from CK. Silence. So, I refiled today through CK (not sure how but somehow it let me) and not CK says submitted 2/6! CK let me efile again! Ufda! Hope if actually gets filed this time.