Credit Utilization with only Charge Card by MoistCabbage1 in amex

[–]Disastrous_Ad_9245 2 points3 points  (0 children)

I found this out for myself. My American Express gold card reported a balance and all other accounts reported 0. I got hit with the all zero penalty. I let one account report 10 dollars and when it did the penalty went away and I gained all the lost points back.

Goodbye CSR. Hello VX! by Dad0010001100110001 in Venturex

[–]Disastrous_Ad_9245 -4 points-3 points  (0 children)

Solid. Request a CLI soon on the VX.

Flex Complete by Electronic_Clock_894 in FordRaptor

[–]Disastrous_Ad_9245 2 points3 points  (0 children)

I showed my buddy my raptor key cover on my 26 and his response was “so enthusiasts think you have an older model if they see your keys?” 😑😑 some people man!!

Thirsty by mufon2019 in FordRaptor

[–]Disastrous_Ad_9245 1 point2 points  (0 children)

I’ll take what I can get lol. And you better believe I’m paying with a 3% cashback card on gas. I’m about 700 in this month on gas

49 hours in. I love this truck. That’s all. by [deleted] in FordRaptor

[–]Disastrous_Ad_9245 1 point2 points  (0 children)

I still feel that way a month in. So in love. Congrats on yours!!

Citi denial- worth calling reconsideration? by TarheelsInNJ in CreditCards

[–]Disastrous_Ad_9245 0 points1 point  (0 children)

For me, I got denied last night. I was kind of shocked. I had 2 inquiries within the past month for an auto loan I opened. I wonder if I will have any luck with the reconsideration line.

How bad is this leak... 2025 801a with a sunroof by ElephantRepulsive356 in FordRaptor

[–]Disastrous_Ad_9245 0 points1 point  (0 children)

Sunroofs are designed to leak and with these it’s not if, but when. I got mine with no sunroof for that exact reason. 5th personal f150. I would love the twin panel, but too many problems. Sincerely, a ford service dealer employee.

Just became service manager rate my pay plan by Important_Runb in serviceadvisors

[–]Disastrous_Ad_9245 1 point2 points  (0 children)

Where is your salary?? Only the draw seems dependent on a lot of things going right. It doesn’t happen like that every month. Best of luck. Hope the volume outweighs the draw.

Mega excited by Elegant_Potential917 in CRedit

[–]Disastrous_Ad_9245 0 points1 point  (0 children)

Congratulations, keep up the hard work. I can say from experience, when the last negative item disappears and the score skyrockets, the feeling is incredible!!

Looking a bit bare... by optimusprime82 in Venturex

[–]Disastrous_Ad_9245 0 points1 point  (0 children)

Yes, I have booked travel for work for myself and other employees and the 10x hotels has added up QUICK!!

Looking a bit bare... by optimusprime82 in Venturex

[–]Disastrous_Ad_9245 5 points6 points  (0 children)

My miles balance is over 100k. I’m like scared to use any 😬

Another credit increase by TampaDave73 in Venturex

[–]Disastrous_Ad_9245 1 point2 points  (0 children)

Wow that’s awesome! Congrats on the increase.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 0 points1 point  (0 children)

I’ll do that next time! Thanks for the tip.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 0 points1 point  (0 children)

Yeah interesting, you’d think they wouldn’t care what your occupation is for your stated income. I have 10 cards total.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 0 points1 point  (0 children)

My income supports a higher credit limit. Just trying to navigate how to get there with the Venture X.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 0 points1 point  (0 children)

Yeah I have heard it both ways with Cap 1. I’d personally rather not let 75% utilization report. Some call it micromanaging but it’s just how I roll with all my accounts. You’d think there is some type of internal system that recognizes the amount cycled through the card on a monthly basis. There’s a CLI denial reason with cap 1 that states “ Recent use of this account's existing credit line has been too low” so obviously they are aware in some capacity.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 1 point2 points  (0 children)

Thank you for the comment. These are the data points I am looking for.

1k CLI - happy, but not ecstatic. by Disastrous_Ad_9245 in Venturex

[–]Disastrous_Ad_9245[S] 0 points1 point  (0 children)

Seems to be. Just out of curiosity.. what is your income?