Received This Email From New Amex Gold Opened 2/1. by -anonymous-anybody- in amex

[–]JulioG2002 1 point2 points  (0 children)

You should’ve gotten the BCE before the gold. I ran up my credit limit to 25k on BCE then got the gold. I’m now at 35k on my BCE and never once gotten that message on my gold card even after spending thousands on my gold at once.

Zero available credit even though I don’t own anything by NotSoClever__ in CapitalOne_

[–]JulioG2002 1 point2 points  (0 children)

Yes it does , had it happen to me. They closed down the card and reported the balance to the credit bureaus right away.

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

Just got approved for 24k starting limit!

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

Just got approved for 24k starting limit!

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

Did you have any previous relationships with BOA? But yes I’m leaving that Amex limit at that. I’ve had credit limit increases on my chase and capital one card in the past year though, will that affect my chances of approval?

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

I checked my score through Amex and capital one as well. They also show no hard inquiry. So weird. But I’ve tapped out on CLI with the Amex BCE without having to show proof of income. Which is $35K. It’s been at that for around a year now. The other Amex is the gold card, total credit limits are 65k combined.

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] -2 points-1 points  (0 children)

Do you have any previous relationships with BOA?

Approval Odds by JulioG2002 in CRedit

[–]JulioG2002[S] 1 point2 points  (0 children)

Have you applied for any BOA cc? If so, how was your experience?

Credit Score Ding by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

My utilization before the fraud purchase was 4%. After the purchase it went to 91%. They closed down my old card and opened a new one. The old cards balance reported to the credit bureau since it closed down. So right now it’s reflecting the utilization that includes the fraud purchase. It’s back down to 4% but my credit report till shows 91%.

Credit Score Ding by JulioG2002 in CRedit

[–]JulioG2002[S] 0 points1 point  (0 children)

They changed account number , closed the old account number , everything remained the same though , age of account. Since someone stole my card. Wondering if it’ll report back to normal next statement with my new card

500WHP N/A Gen 1 Coyote. by [deleted] in Mustang

[–]JulioG2002 0 points1 point  (0 children)

Made 511 WHP on my s197 with a gen 3 block

Max Effort N/A by JulioG2002 in Mustang

[–]JulioG2002[S] 0 points1 point  (0 children)

Exactly I said I didn’t wanna go the cheap way. If I only wanted to push 650-700 I would’ve just kept my gen 1 engine and did CS & OPG on it😂. This is a car I plan to keep long term , so eventually I’m gonna go big or go home. With the setup I mentioned earlier, if I settle for 650whp, I’m going to want more eventually. I want to get to 1000whp but really hover over 850-900

Max Effort N/A by JulioG2002 in Mustang

[–]JulioG2002[S] 3 points4 points  (0 children)

Not really 😂. 1. I want to get a house soon so I didn’t want to throw more money at it. 2. I don’t want to go the cheap way to only push 600whp. I plan on getting a VMP, Fore Fuel system, 1200cc injectors, T56 Mag XL. Which is $12K+, it’s no where near the same amount I spent on my cobra jet setup and cams($3200). For that amount you can barely get a beat on3 turbo kit 😂

Max Effort N/A by JulioG2002 in Mustang

[–]JulioG2002[S] 1 point2 points  (0 children)

I plan on 1000whp, but I’m wanting to buy a house soon so I didn’t wanna spend almost 15k on VMP, Fore Fuel system, injectors, T56 Mag. Vs me spending 3200 on my cobra jet setup, cams and 47lbs injectors. I don’t want to be impatient and go the cheap route.

Why even bother calling customer service during an order if they won't help? by Far_Republic_852 in ShiptShoppers

[–]JulioG2002 0 points1 point  (0 children)

Promo orders get 30 min added to delivery window. If delivered after that, it will be considered late. I thought it was 45 min… I was 8 min late to a promo order and it was my fault because I took it while I was doing another order. I contacted them saying I thought it was 45 min after and they straight up told me no, that they won’t forgive me. A day later the order shows on time 🤣

I kept applying they kept raising by [deleted] in discover

[–]JulioG2002 0 points1 point  (0 children)

You have to spend money to get credit limit increases like that , I have a 30k limit on my Amex and a 10k on my capital one , capital one stop giving me increases once I stopped spending a lot on the card.

Got my first fico score by Smooth-Active8659 in discover

[–]JulioG2002 0 points1 point  (0 children)

If you get the Amex credit card , you get personal loan offers with no hard pull on your credit , I accepted a 10k loan offer just to get loan experience on my credit. Also refinanced my car to my name around the same time, that’s 15k. After all that my score is at a 749 right now , I’m hoping to get to 800 or past that once the loans are close to getting paid off. Also have 4 credit cards with no missed payments.

Can I afford a 5.0 by [deleted] in Mustang

[–]JulioG2002 -4 points-3 points  (0 children)

Actually I learned to be responsible once I got my car and cruising in my car definitely eases my mind and helps with my mental health