Re: Cleaning House with CLD and Closure
@Zoostation1 wrote:@ElvisCaprice It doesn't seem like Capital One puts too much emphasis on global TCL relative to stated income in my experience. My latest CLI from C1 has put me at 50.3% of Cap 1 CL...
View ArticleYOLO FCU Visa Platinum Cashback Plus Rewards (CA only)
https://www.yolofcu.org/visa-platinumhttps://ibb.co/XxRH8rn2 (SS since it’s a popup instead of a landing page) $1000 credit card SUB + funny name. Seems like a pretty good card too, 2% flat cashback...
View ArticleRe: Cleaning House with CLD and Closure
@ElvisCaprice It doesn't seem like Capital One puts too much emphasis on global TCL relative to stated income in my experience. My latest CLI from C1 has put me at 50.3% of Cap 1 CL relative to stated...
View ArticleRe: Cleaning House with CLD and Closure
Cap 1 is a great example of where Global TCL to income ratio is used in their auto approval metrics. Thus the denials of no velocity, mature 800 + profiles with high Global TCL/income ratios. In...
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Re: Bad parts of this Rakuten Amex card
@redpat wrote:@GZG Whoa, good golly, miss molly, please do something about that sig.....I thought @ptatohed's was god awful, too big.... start praying to our AI overlords that gpt-6 astra extra high...
View ArticleRe: Cleaning House with CLD and Closure
that's per issuer, not global. any denial for too much TCL is most likely just a velocity denial or a small CU/conserative bank denial I mean fair to not keep CLs higher than quarterly caps or...
View ArticleRe: Cleaning House with CLD and Closure
It's a bold strategy, cotton. Let's see if it pays off for him. Hard to believe banks will deny you simply because your TCL is over half your income.
View ArticleCleaning House with CLD and Closure
I'm cleaning up my CC keepers for the long haul and prepare my profile for optimum churn velocity at all issuers. My goal is to remain under 50% ratio of Global TCL/stated income, in order to...
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Re: Interesting BofA APR reduction below lowest APR on card
@SeanA wrote:Nice - it's still not low enough though. Have you looked into a balance transfer? You could get 0% for 21 months, from what I've seen on wallethub. That could save you way more. dont need...
View ArticleRe: Bad parts of this Rakuten Amex card
Think those negatives are greatly outweighted by the pros of it. I earn a fair amount of points via this card and pay most of it off monthly. I think I got 58k points pending.
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Re: NFCU Legacy Flagship Holiday Promo - Give Joy, Get 10K Extra Points—Your...
@Lurker22 wrote:Sadly just received an email from NFCUPlease disregard our recent holiday credit card offer emailWe mistakenly sent you an email about our credit card holiday spend offers recently. The...
View ArticleRe: NFCU Legacy Flagship Holiday Promo - Give Joy, Get 10K Extra Points—Your...
Sadly just received an email from NFCUPlease disregard our recent holiday credit card offer emailWe mistakenly sent you an email about our credit card holiday spend offers recently. The offers included...
View ArticleRe: Bad parts of this Rakuten Amex card
@GZG Whoa, good golly, miss molly, please do something about that sig.....I thought @ptatohed's was god awful, too big....
View ArticleRe: nusenda, 5% for on-line shopping offer "this week"
@Taurus22 wrote:Holy smokes, the categories.......Is this joker still geofenced? There might still be some clubs or organizations you can join, for membership. What's cool about the nusenda card is not...
View ArticleRe: Bad parts of this Rakuten Amex card
@IcyCool7227 wrote: Anybody else annoyed by these lack of features?for 4x $/MR/Bilt on $10k rakuten spend per year? they can be imperfect elsewhere
View ArticleRe: Robinhood email : "You’re off the Gold Card Waitlist"
@Taurus22 wrote:Ah, I see......so you have a 4x referral in place currently? Yes, since this program didn't start till later after I received the card. Can go up to 10%.
View ArticleRe: Robinhood email : "You’re off the Gold Card Waitlist"
Ah, I see......so you have a 4x referral in place currently?
View ArticleRe: $1 Off Per Gallon of Gas on Wednesdays With OnePay CashRewards
Hump Daaaaaaaayyy!!!!
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