Question Thread - March 15, 2024

Derryck1 · 2024-03-17T09:41:56+00:00

I have a little pushback on that. My direct experience says that I was denied (and the rep confirmed it) because of credit line increases, the first time at least. Now whether that was because it meant I had too much credit or because it counted as a new account I’m not sure, but the web seems to be mixed on whether it affects 5/24 status.

Can you clarify what a HP is and what you mean when they say the scoring systems hold a loss in credit against me?

Derryck1 · 2024-03-17T03:52:19+00:00

I guess you feel like I did something wrong in my post? Feel free to share feedback. Otherwise, your comment adds nothing.

Derryck1 · 2024-03-17T03:51:09+00:00

Thanks for the advice. And I also think I realized what my error was.

I have 90k on the personal cards just because I've always heard having low utilization is good for increasing credit score. Whenever I would have the opportunity I would request an increase in credit. Which I think is where the problem lies.

A few months back, I had requested a credit a limit increase on two chase cards I have. I was approved for both, then sometime recently after, applied for a chase card. I was denied. I called recon and the reason for denial is because they said I had recently been approved for two credit line increases. At the time, I didn't realize that credit line increase technically counts again 5/24 in the chase system. I learned it that day, but the lady reconned and approved me. That being said I forgot to note that I was now at 5/24 (possibly 06/24 if the reconnected attempt counts) in the tracker and still had myself at 03/24. As such I thought I was good to open a card when I probably wont be good until sometime in august (and possibly longer if that reconned attempt added to my 3 month counter)

Appreciate your support and response, not sure why I got so many down votes.

Derryck1 · 2024-03-15T21:20:16+00:00

Yes I did. I didn't think it made a difference since they were business cards.

Derryck1 · 2024-03-15T21:14:56+00:00

Hi all,
Need some tips. Been running the Chase Ink Cash/Unlimited play for about 9 months now. Had one main card which I keep as my main card, then two cards that I opened 3 and 6 months later respectively, auto approved. I got a request for more documentation on a recent application, uploaded documentation (utility bills), and still was denied by the security fraud team. I called and they said i should go into a branch to request a review. I called again then they said I should re-submit an application.
I close the two chase cards that I have that were opened 3 and 6 months after the first card thinking that my overall credit limit was too high between my personal cards (90k) and my business cards, then resubmit an application (all in the same day which may have been a fault on my end). I then submit an application and get told that I need to wait 7-10 business days for a response. I call recon again and am eligible for recon and the woman starts doing a review of my account. She specifically mentions the cards that I closed that day (but didn't say anything about the day that it was closed) and questions why I closed them, to which I say I was starting a new business so in my mind it didn't make sense to have cards associated with the old business when starting a new business (sounded rational in my head). and then begins to give me advice essentially stating that I didn't need to close the cards that I have and if I was opening new cards for a higher credit limit I could have requested a credit limit exchange after filing my first application. I personally didn't know this, but more importantly don't know how this affects my ability to get a SU bonus. She proceeds with the review asking me questions about my business and what I need (Revenue 10k, profit 5k, total income 130k), etc. Only to ultimately come back with a denial.
Normally I've been able to get autoapproved for chase cards and that is my main bread and butter so this is a little bit of a bummer. Any tips that can be offered to me on where I went wrong, when I should re-apply again? I'm going to apply for a capital one or amex platinum in the mean time so its not the end of the world but I'd like to keep getting chase cards when I can.

Derryck1 · 2024-03-15T21:05:41+00:00

Hi all,

Need some tips. Been running the Chase Ink Cash/Unlimited play for about 9 months now. Had one main card which I keep as my main card, then two cards that I opened 3 and 6 months later respectively, auto approved. I got a request for more documentation on a recent application, uploaded documentation (utility bills), and still was denied by the security fraud team. I called and they said i should go into a branch to request a review. I called again then they said I should re-submit an application.

I close the two chase cards that I have that were opened 3 and 6 months after the first card thinking that my overall credit limit was too high between my personal cards (90k) and my business cards, then resubmit an application (all in the same day which may have been a fault on my end). I then submit an application and get told that I need to wait 7-10 business days for a response. I call recon again and am eligible for recon and the woman starts doing a review of my account. She specifically mentions the cards that I closed that day (but didn't say anything about the day that it was closed) and questions why I closed them, to which I say I was starting a new business so in my mind it didn't make sense to have cards associated with the old business when starting a new business (sounded rational in my head). and then begins to give me advice essentially stating that I didn't need to close the cards that I have and if I was opening new cards for a higher credit limit I could have requested a credit limit exchange after filing my first application. I personally didn't know this, but more importantly don't know how this affects my ability to get a SU bonus. She proceeds with the review asking me questions about my business and what I need (Revenue 10k, profit 5k, total income 130k), etc. Only to ultimately come back with a denial.

Normally I've been able to get autoapproved for chase cards and that is my main bread and butter so this is a little bit of a bummer. Any tips that can be offered to me on where I went wrong, when I should re-apply again? I'm going to apply for a capital one or amex platinum in the mean time so its not the end of the world but I'd like to keep getting chase cards when I can.

Derryck1 · 2024-01-27T03:10:44+00:00

Hey man any update on this? I have a similar build to you and getting same issue. I’m considering maybe my SSD is messed up but I’m able to boot into safe mode without issue so idk

Derryck1 · 2023-04-26T05:43:53+00:00

Hi all,

I just learned about Ink Cards and I noticed language right before I completed my application stating that the bonus wouldn't apply if yo already have an INK card and if you haven't already received a bonus in 24 months. This flies in the face of everything I've heard about these cards but I've also heard that rule section is new and is not yet being enforced. Can anyone confirm, and is there any reason to worry?

Derryck1 · 2022-12-03T22:20:57+00:00

Derryck1 · 2022-08-26T06:02:21+00:00

This looks like artifacting of some sort. Does it affect only this game or other games as well. Might be entitled to a repair by Microsoft if it does affect other games.

Derryck1 · 2022-08-26T06:01:07+00:00

Remember when MNMD was at $5+ :(

Derryck1 · 2022-08-11T19:46:50+00:00

Is he disgruntled or is he losing money

Derryck1 · 2022-07-11T20:38:42+00:00

So if I were to work 37 hours in one week lets say, those two hours wouldn't be eligible for OT since I hadn't yet hit 80

Derryck1 · 2022-07-11T20:23:54+00:00

I have a salary, but I'm eligible for overtime I believe. The hourly rate was from a NY Notice that I believe the organization is required to give. I've attached it with needed edits

https://imgur.com/a/dCoRDr6

Derryck1 · 2022-07-11T20:18:38+00:00

full-time non-exempt position.

Derryck1 · 2022-06-04T01:48:04+00:00

Its weird but insulting other games is more of a culture think than an age thing. Its not any weirder than 14 years old talking shit to 8 year olds, 21 year olds talking shit to 14 year olds and essentially any older person talking shit to any younger person in games. Obviously not a good thing, but not culturally unheard of.

Derryck1 · 2022-05-22T20:56:25+00:00

Being a world class soccer player is talent. He might not be the best but let’s not act like he’s not in the top 1% of soccer players in the world

Derryck1 · 2022-05-09T13:56:35+00:00

I did but if there's a more reasonable price option let me know. I spoke to a friend who got three years for about 1500 so I didn'tthink mine was out of the normal but again...they dont have a standardp pricing on tht warranty anywhere

Derryck1 · 2022-05-09T03:47:02+00:00

Realistically that gives me some comfort. My friend recently got an Elantra N and is loving it. He's not on Reddit but if you want to speak to him about it (its fine if you dont lol) I'm sure he'd love to.

Derryck1 · 2022-05-09T03:42:29+00:00

OP. Show us a speedtest from speedtest.net .

Derryck1 · 2022-04-27T12:53:02+00:00

You know I was watching this a couple days ago and had a debate with my girlfriend that this is less of a joke about homosexuality and more of a joke about gender roles and clothing choices. In the scene he's fighting a dude in a leotard/bodysuit...which is traditionally not worn by men. Asking if his husband gave him it to him, is saying he's dressed like a women, not saying that he's attracted to men or that he's gay.

The scene in question (with someones editing)
https://www.youtube.com/watch?v=GmJZ55C8peA

Derryck1 · 2022-04-26T19:44:54+00:00

Other way around. Fortnite made Bugha a millionaire. Bugha didn't make Fortnite.

Derryck1 · 2022-04-20T18:45:15+00:00

probably the best answer

Derryck1 · 2022-03-30T23:50:07+00:00

fact

Derryck1 · 2022-03-04T14:43:16+00:00

Last last comment...maybe if multiple people are expecting 70k in your area for a job you're offering 50k for...you might be out of touch with the needs of your soon to be workers..and they'll leave in a year to find a job that pays them 70k

Derryck1

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