kiasu, congrats on surviving the FR. Few questions on the FR.

1) What was the amount advanced and CL on the IN:LA card?
2) Was the income you claimed on your app backed up by the paperwork you sent?
3) Was the voicemail informing you the cards were unlocked left by the FR department ("Mr. Smith" etc) or by some other department?

Wonder if the letter to the CEO did anything.

markkundinger said:kiasu, congrats on surviving the FR. Few questions on the FR.

1) What was the amount advanced and CL on the IN:LA card?
2) Was the income you claimed on your app backed up by the paperwork you sent?
3) Was the voicemail informing you the cards were unlocked left by the FR department ("Mr. Smith" etc) or by some other department?

Wonder if the letter to the CEO did anything.

Thanks!

1) I reallocated three lines as follows:
AMEX Blue: $1,000 (from $24,900)
Costco TrueEarnings: $4,000 (from $24,900)
In:LA: $70,000 (from $25,200)

BT $49k on IN:LA card @ 70% util.

2) I'll let you decide if this was enough. I claimed HHI of $93k. My 2006 W2 income was only $68k, that is why I was pretty annoyed at this FR asking for only tax returns. I sent documentation of all my paychecks for two different jobs (recent base was $85k) this year, which should accurately show income amounting to over $93k/yr as there were vacation and signing bonus payouts. I also sent my FNBO and GMAC statements showing over $170k in liquid assets (AOR $$ mostly) and my Fidelity and 401k statements showing over $45k in retirement funds.

3)The voicemail was from a "Mrs Smith" type asking me to please call American Express at my earliest convenience. I called back and was told that the FR was complete and my cards are now active. I asked if there was any compensation given I haven't had access to my cards for almost a month and they refused to budge. I'm pretty sure it was the FR department.

KC,

Did the AMEX BT go through before the card was locked ?

Thanks for the info kiasuchick, and to make sure I'm clear, you did not use the "crack" CLI button on the IN:LA card, all your shenanigans were the result of reallocation?

I'm just asking because I'm preparing for my own inevitable FR soon

The fact that the call seems to have come from the FR people is slightly comforting, as it means your cards may have been restored to the status quo without any special intercession by the executive office.

Side note:- June Interest paid: $743

That covers my rent and utilities!

Fabulous details. Thanks markkundinger for asking very specific FR questions and Kiasu for the detailed responses.

Hey wait, how does $150k advanced get you over $900 in interest in a month?

ScootyPuffSr said:markkundinger said:Hey wait, how does $150k advanced get you over $900 in interest in a month?


Reading is fundamental. The post about a 1/2 inch of above yours says that it is both BT money and bill-pay float.

Haha. Yeah I'm really loving the fact my FIA and MBNA cards can pay one another. I took it easy this month and paid off some balance from my savings a few days ago.

I hope that ING or someone can come out with another 6% deal after September. I need to sign up for my company's ESPP which will equate to about $1100 from my current monthly disposable income. So it would be nice to make up the difference in interest.

More adverse action in the past couple of days.

Chase closed the card I've had with them since 2003. Never used it, only had $500 credit line, I moved $4,500 to the Chase Yahoo! card. Got a letter in the mail yesterday.

I went to use my Sony card today as it has a $100 credit on it and it is also closed. Another $500 limit right there.

At this point I'm not too bothered. I don't need any Chase cards and so far the credit line loss is not that great. They will probably close my Yahoo! card with a $23k balance on a $33k CL. But I'm sure that isn't the end of the world for my credit score either.

Silly Chase. I cashed $105 in "fraud detector" and "payment protector" checks in the past two weeks... HAHAHA maybe they didn't like that!

Wow KC, my sympathies, it really sounds like you're getting hammered.

With Chase, I would have suspected that they would have dropped your BT'd card's CL down to just about the balance, but not close it. Did you get written or verbal confirmation that the cards are just flat out closed, and not just "frozen" in some way?

Is there any indication from Chase or Juniper that your 0% deal was damaged?

And as of now, what's your credit report look like in terms of credit score and utilization?