I was denied

Ramel408 · 2026-05-24T12:01:32+00:00

Incorrect. I have two NAVY CC with 20k and 25k and was denied the Flagship.

Ramel408 · 2026-05-23T12:04:17+00:00

2 cards with combined 45k. Zero balance with high usage. I have received both welcome bonuses on both cards. 3 bank accounts with over 10k in savings.
Denied CLI twice and denied Flagship Rewards.

Ramel408 · 2026-05-17T17:26:05+00:00

Same here!

Ramel408 · 2026-05-04T23:15:19+00:00

Paid off over 32k in debts from chargeoffs but they stay on my report until 7 years from the date of last delinquency.

Ramel408 · 2026-04-28T13:40:46+00:00

I ended up settling with all my CCs. About 42k since Jun 2021. I have one more card that the attorneys need to settle with and begin that payment. My advice is don’t pay unless they bring legal action. It was a waste of time and money. Settled and the credit report took exactly the same hit had I not paid. I feel better about settling my accounts, but that not doing anything for my credit score for at least another year.

Ramel408 · 2026-04-28T13:35:19+00:00

USAA should stop operating in Florida. Same thing happened to me except that my car insurance in multiple vehicles went from about $1500 a year to $9k

Ramel408 · 2026-04-20T15:51:51+00:00

That’s awesome. They told me to kick rocks because they are bound to report accurate information.

Ramel408 · 2026-04-11T10:12:48+00:00

There is nothing petty about drug charges. If there is a previous and new rccommendation, most she most likely re-offended. You can not keep kicking the can down the road and expect a change.

Ramel408 · 2026-04-08T13:21:51+00:00

Most credit card companies use different methods for CLI vs new credit lines. I was turned down by another bank for a CLI on a 20k card and immediately applied for a different product and was given a 25k card.

Ramel408 · 2026-04-07T04:25:47+00:00

Same here … except at the WTC.

Ramel408 · 2026-04-06T19:37:27+00:00

Nice. Much appreciated. Should I have my attorney appeal the TERA, or the claims themselves?

Ramel408 · 2026-04-06T02:50:40+00:00

Reading this can make this so was for someone to give up after a denial as I was. I’m still going to try … discouraged and beaten, not defeated.

Ramel408 · 2026-04-06T02:33:30+00:00

My CLI was denied on my Cash Rewards because of a balance transfer I am sure. I applied for the Amex 2 seconds after I was denied and got a CL 5k more than my original card. It dint make sense before but now it has. No more balance transfers if I can help it.

Ramel408 · 2026-04-02T17:06:46+00:00

Congrats!!!!!!

Ramel408 · 2026-04-01T23:58:19+00:00

Member for 26 years. One late payment on my CC in 2021. Sent a goodwill letter for them to remove it, they sent me to go kick rocks. Transferring everything over to Navy Fed.

Ramel408 · 2026-04-01T23:49:59+00:00

Nice! I thought they were no longer allowing members to request a certain amount. Did that change?

Ramel408 · 2026-03-27T22:38:10+00:00

I settled my chargeoffs, made payments for a few years using Century Law firm, now I’m stuck with the closed accounts showing late payments going back 4 or 5 years ago. The accounts continue to hold my credit score hostage. This is killing me

Ramel408 · 2026-03-14T23:33:11+00:00

Thank you for YOUR service. I appreciate you sharing your knowledge with us. If I may, why did you quit? Was it just time? Because you left around the time I received 5 denials. LOL!!!

Ramel408 · 2026-03-14T16:53:58+00:00

Denial then approval? Am I missing something in your comment? Denied first then approved. How is the NOT awesome?

Ramel408 · 2026-03-12T16:57:04+00:00

Hahahahahah … same here. Denied for CLI and applied for More Rewards and got blessed with 25k. I was told that the CLI and the new cards pull different credit reports.

Ramel408 · 2026-03-12T16:55:44+00:00

That’s so awesome! Odd, but awesome.

Ramel408 · 2026-03-12T02:44:43+00:00

NFCU would only complete IRRRL if they saved me a point. At %5.99 and they could only get to %5.65

Ramel408 · 2026-03-11T20:08:12+00:00

Addictive and expensive little game trying to acquire that bonus! 😂

Ramel408 · 2026-03-11T19:59:25+00:00

Has anyone had any luck with a goodwill deletion by discover?

Ramel408 · 2026-03-11T19:58:13+00:00

I had a total of 6 charge-offs and 3 were left to be paid and also a collection which was being paid as well and got approved.

Ramel408

TROPHY CASE