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althes
- Senior Member
posted: May. 25, 2007 @ 9:05a 
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Pakaderm
- Thrifty Member
posted: Jun. 11, 2007 @ 11:02a
It's been a while since the last update. All TU inquires are gone now. I still haven't bumped the first inquiry from EQ.
I've received all gift cards from AMEX and Citi.
I do not use any service like Yodlee. I'm tracking everything manually in Excel. I estimate I spend 1-2 hours/mo checking balances and making minimum payments, not bad at all.
-Pak |
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dolmar
- Senior Member - 4K
posted: Jun. 11, 2007 @ 11:05a
Maybe it time to get Quicken? You know right now is the time of year when it free after rebate all time. I know a couple of weeks ago at Office Depot it was free after rebate and you make a profit even if you used a Staples coupon at Office Depot to buy it. |
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Pakaderm
- Thrifty Member
posted: Jun. 28, 2007 @ 10:10a
Two days ago I received another check from cardoffers.com for $30. I didn't expect to receive the check. Woohoo, another $30 is $30.
I cancelled TrueCredit monitoring. I was able to bump all 7 inquires from TU, but none from EQ. EQ still has 3 inquires. EX still has 7 inquires which will only come off with time.
-Pak |
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dbalkunjr
- Addicted Member
posted: Jun. 28, 2007 @ 3:10p
I have been pulling AMEX credit secure every day and I bumped all my TU inquires(originally like 8)down to 1. I have not bumped off any EQ yet though. I Bumped a TU inquiry from 12/06 before bumping any EQ from 11/10/06. |
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jackcrawfish
- Addicted Member
posted: Aug. 24, 2007 @ 8:56a
Nice thread, Pak. Curious, are any balances outstanding 0% 6 month cards? If so, will you (a) attempt to negotiate a longer 0% timeframe (b) payoff balance entirely (c) let the account go delinquent and charge-off ? I'm trying to plan a good 6 month exit strategy for the 6 month cards I have in my Aug 2007 AOR... curious... |
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Pakaderm
- Thrifty Member
posted: Aug. 27, 2007 @ 10:24a
jackcrawfish said:Nice thread, Pak.
Curious, are any balances outstanding 0% 6 month cards? If so, will you (a) attempt to negotiate a longer 0% timeframe (b) payoff balance entirely (c) let the account go delinquent and charge-off ?
I'm trying to plan a good 6 month exit strategy for the 6 month cards I have in my Aug 2007 AOR...
curious... JCF, I have two cards with outstanding 6 mo balances, the BoA FR and the AMEX IN:NYC. Both have statement closing dates in early-mid Sept when the six month period expires. My plan is option (b), pay them off in full. I will make the final pay off from the issuers web sites scheduled for a few days before. Up until now, I had not thought of trying to extend the 0% time frame. Has anyone read of success in attempting this? -Pak |
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jackcrawfish
- Addicted Member
posted: Aug. 27, 2007 @ 11:02a
The idea of extending an intro period was just a thought to maximize your time period to greater than 6 months. Mike just started a thread yesterday related to extending intro periods here. He effectively is suggesting a request to change statement date (get an extra 30 days). If you have a bunch of 6 month $$$ it might be worth a shot. |
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Pakaderm
- Thrifty Member
posted: Sep. 6, 2007 @ 12:50p
It's been ~6 months since I started this AOR, and the first balances have come due. I already made total payments to BofA and AMEX, both cards with 6 mo 0% rates. The new balances posted are $0.00. That's nice, but I wish I still had their money longer. I reallocated my Citi limits around took out another $18000 from the CitiBus card to help offset the funds I had to pay back to BofA and AMEX. Since it doesn't report, my CR should have a nice $25k drop in outstanding balance. I haven't checked my CR in several months, so I might check it again soon to see where things are. Also, planning stages for the next AOR are underway, whether it be in 7, 9, or 12 months, I have yet to decide. -Pak |
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jackcrawfish
- Addicted Member
posted: Sep. 6, 2007 @ 1:46p
Looking for a datapoint on extending 6 month offers.... although you followed through with plan (b) and paid off the two six month cards.... did you, by chance, attempt an "intro-extension" call? |
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Pakaderm
- Thrifty Member
posted: Sep. 6, 2007 @ 3:02p
jackcrawfish said:Looking for a datapoint on extending 6 month offers.... although you followed through with plan (b) and paid off the two six month cards.... did you, by chance, attempt an "intro-extension" call? Nope, I didn't attempt this. I wonder if it would have any affect if you extended this in the middle of the promo period rather than at the end. I do have several more cards with 12 mo terms which could be extended now if the practice worked. -Pak |
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jackcrawfish
- Addicted Member
posted: Sep. 6, 2007 @ 3:18p
Pakaderm said:jackcrawfish said:Looking for a datapoint on extending 6 month offers.... although you followed through with plan (b) and paid off the two six month cards.... did you, by chance, attempt an "intro-extension" call?
Nope, I didn't attempt this. I wonder if it would have any affect if you extended this in the middle of the promo period rather than at the end. I do have several more cards with 12 mo terms which could be extended now if the practice worked.
-PakGreat idea. Again (clear throat as if to solicit response), a datapoint would be nice on your future attempt to extend the intro period (provided you don't plan to immediately do another AOR at month 13). Who knows, perhaps with a much improved score at month 15 (all the while maintaining one card with an extended intro rate balance) would make you a tempting target for new juicy pre-selected offers. hmmmmm. |
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