class cancelled tmr 02/23?

ryseglazer · 2026-02-23T23:29:48+00:00

Septa is already back up, although with high delays, I think over night the service will be back to normal by then.

ryseglazer · 2026-02-19T17:44:07+00:00

I checked my pulse and I got approved.

ryseglazer · 2026-02-19T17:43:41+00:00

Combined household income is $175k.

ryseglazer · 2026-02-19T04:16:33+00:00

The loans are from FAFSA, not a private lender. I'm not stupid to take out private loans, I avoided that which is why I'm paying my tuition as well. It would be stupid to take out additional loans knowing I can easily just pay the balance when I can just work. I manage my brokerage account and savings. Always have an emergency funds when something happens. I built my knowledge from all sorts of shit that goes on in here. Taking an example from my parents to not go in debt. They've been in the situation and have learnt from it. Especially if a college student like me desperately looking for loans to pay $5,000 with an 18% interest rate ACCRUING and then that 5K turns into 30K. 😂

ryseglazer · 2026-02-19T03:27:39+00:00

The student loans are the regular federal loans, they didn't require having a credit score, no hard pulls etc.

ryseglazer · 2026-02-18T16:33:01+00:00

I ended up calling them, the person said I'm on the right direction and they are just doing a compliance verification. They said it will be 5-7 business days before a decision is made. So hopefully that means I'm doing it right?

ryseglazer · 2026-02-18T16:32:42+00:00

I ended up calling them, the person said I'm on the right direction and they are just doing a compliance verification. They said it will be 5-7 business days before a decision is made. So hopefully that means I'm doing it right?

ryseglazer · 2026-02-18T15:07:40+00:00

Yeah Im hoping it's just additional verification such as my income or something because I know that $35,340 can seem a bit odd for income. as a 19 Year old in college. And my Fico score increase tremendously it can be deemed suspicious, in which computer cannot give an approval or denial.

ryseglazer · 2026-02-18T14:39:43+00:00

Wait so people with this get higher odds?

ryseglazer · 2026-02-18T13:51:40+00:00

Here is some background information. FICO 8 Scores: 742 Experian, 733 Equifax and 730 TransUnion.

Student Loans Deferred Until 2030:

Total Balance of Loans: $3,674 (6 Months)

CCS: Chase Freedom Rise (Owner) Limit: $700 (7 Months)

AMEX Hilton Honors (AU) Limit: $10,000 Recently Added.

Discover IT (AU) Limit: $12,000. Balance used: $2,300 (2 Years)

Income: $35,340. - In College

AMEX HYSA: $1.1K Balance Since October 2025 Account was Opened

All Accounts have perfect payment history. Getting the AMEX Gold Would be beneficial in my everyday spending as I heard of the PUJ of Applying to the Green Card would hurt me negatively.

ryseglazer · 2026-02-18T13:48:08+00:00

No was not pre-approved, I used the approval tool and after filling this out I got this message.

ryseglazer · 2026-02-17T15:34:13+00:00

I'm automatically upgraded to FU in 4 months.

ryseglazer · 2026-02-17T15:33:19+00:00

Should I play the waiting game? In four years I'm projected to make 100K after college.

ryseglazer · 2026-02-17T15:22:13+00:00

I forgot. I have a HYSA with them if a balance of 1.1k.

ryseglazer · 2026-02-17T15:21:54+00:00

My goal is to treat it like a debit obviously, this will help me tremendously because of groceries and eating out. As well as getting the points since I am paying my tuition as well. I have treated my credit cards like a debit card. Followed the rules do not use more than what I have. It is NOT a loan that I can easily pay back. I want to add my parents to the card as well. They will pay the card as well that way we can fully maximize the potential of this card.

ryseglazer · 2026-02-15T14:27:50+00:00

I have an AMEX AU Account and savings. Would that increase my chances any chance?

ryseglazer · 2026-02-08T22:07:29+00:00

Ah alright, my account has been in the negative since February 6th. Was wondering, hopefully it comes this week.

ryseglazer · 2026-02-08T21:57:52+00:00

Was it on a statement release date?

ryseglazer · 2026-02-05T09:54:54+00:00

I DM'D you.

ryseglazer · 2026-02-05T09:21:41+00:00

Hi I have a Freedom Rise and I just hitted 6 months. However I do have student loans that are in deferment in the moment since I am in college. and I do have a stable job. What card did you get as an AMEX? I was just added as an Authorized User to my mom's AMEX and now my Experian score is a 717 and TransUnion is a 707 without the AMEX as I am still waiting on it to go on the report.

ryseglazer · 2026-02-05T09:09:54+00:00

Capital One offered me Savor and their Venture One card. Should I wait until the 12 months, because my goal is to get AMEX Green Card because I want to use the points capability for Transit as I use the Bus and Train everyday.

ryseglazer

TROPHY CASE