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My question is Can I pay my VISA bill with my Discover Card? Hoping for any comment. Another question on my mind: I don't do BTs...so why would I care?. |
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The answer is Yes, but you might wanna make sure and wait for someone else to confirm my answer as I am unsure. Better yet, why don't you contact the Discover Card guys because they can give you help better...
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I might go for my first Discover card in like 2 years.
"IF" it had a 0.00% BT it would have to be FEE FREE. NO CAP BT MAKES THE BT USELESS. Why apply???.. |
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Well UMB is not known for huge limits so it may not be the best bet for you anyway. IIRC Bob only got 10 or 15K. I wonder if partnersfirst has any BT offers?.
This post has been edited by. Hegemony. : 23 February 2009 - 11:58 PM.. |
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Another one?.
Https://www.cardpartner.com/app/lls. The Leukemia & Lymphoma Society Visa Platinum Card.. |
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1) Is this the "list" of co-branded UMB cards or is there another one lurking around?.
2) Am I correct in assuming that a "co-branded UMB" card will be the way to go if I am simply an individual who is looking to transfer balances to a "non-reported" line of credit?. 3) Possible card / company suggestions for highest potential credit line with average 660 score? (Yes, I've searched the database multiple times and no it hasn't really assisted much.). Thanks! :-). This post has been edited by. Zathrak. : 10 March 2009 - 01:53 AM.. |
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I Applied for the Guide Dogs for the Blind Visa Platinum. My first app for 2009. I got an email stating it takes 15 days to process. Is this unusual?..
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Is there a cobranded card that supports an Alzheimer's charity?..
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I applied for the Guide Dogs for the Blind card in October 2008 and was approved for a $7500 CL. Did a $6500 BT shortly thereafter and have been paying (with Discover card) it down at $100/mo (a little above the minimum payment). True to form, the account has never reported the the CRA's and the TU inquiry was *B*-ed long ago, hence a truly "hidden" TL..
Last Monday (3/23/09), I decided to personally test the theory that UMB would allow multiple hidden TL's. I applied for the Gillette Childrens Specialty Healthcare card. UMB finally pulled TU on Monday of this week (3/30). When I used online chat to check on the application, I was instructed to contact customer service by phone. At first the CSR didn't seem to be familiar with the card in question but, after confirming my identity, she was able to tell me that it had "just been approved" and I would be receiving my card within 7-10 days. No info on a CL yet but I will post it when the card arrives... |
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Wow!.
Congrats and thanks for confirming another example of non-reporting... |
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Haha, there's an Amphibian Ark card. I feel proud because I was the one who suggested they join CardPartner..
Https://www.cardpart...p/amphibian-ark.. |
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I think this is a new one. The role-mommy card..
Http://www.cardpartn.../app/role-mommy.. |
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Following up:.
The card arrived yesterday (4/7/09). The CL is a bit under my first UMB account $5k vs $7.5k. However, as long as it stays "hidden," I'll consider it a win!. Now, off to pull the old TU report on multiple services so I can *B* the inquiry... |
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How was your UTIL like when you applied for the second card? How much debt you had during app...
I am thinking of applying a card, but my util is kinda high ~15% (around 26K debt). But that should change in a month as I am paying (with Discover card) off another 15K of the BT I took..... |
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9% utilization when I applied for the 2nd one which is lower than when I got the original card. I believe I was at ~20% in October when I first applied and I had 4 accounts less than 3 months old. TU FICO was 755 then versus 779 now. I'm guessing that $12.5k may be the max exposure they will grant based on my income...
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I'm not so much worried about the UTIL.. but the total debt that worries me.. I am at 26K but my util is low coz of my total available CL......
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I had ~$14k owing with ~$150 total CL across all lines this time. When I applied for the first card, it was $20k vs $100k and they still approved me, although the limits I have gotten are only 1/4 to 1/3 of my highest. I wouldn't fool with them except:.
1) The lines are hidden. 2) The inqs are easy to *B*.. |
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Now you are tempting me... but I must resist.... I dont need another "thefted" on my lines.....
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I want to apply for one, but the WebChat CSR told me they pull from any of the three bureaus. From the looks of Credit Pulls, a few people said UMB pulled EQ not TU. I'm not sure I want to risk an EQ inquiry since I don't B* and I'm waiting to apply for PenFed...
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TU pull in OK. Waiting for 15 day period to know approval status...
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Info about UMB and their cobranded cards.
This was a helpful news release, specifically about the Guide Dog card, but other good info about UMB too... |
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Ok, am I missing something? If so I apologize....
Looks to me like if you go to cardpartner dot com, there's a section on the left (under Blog) that says Partners. When I clicked on Partners, I got a list (with pictures!) of 169. Different cards. From what I could see, they all have the same offer.... Is there a reason only certain ones have been posted in this thread? Or are all of them fair game?. Thanks!.. |
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Bumping because of the great info in this thread. Got approved for $2K with a 701 TU and a paid judgment; 0 inqs at the time of app...
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R2, you just gave me the guts to pull the trigger on UMB. If they pulled TU for me I may have a ghost of a glimmer of a shadow of a chance that they'll approve me with a decent CL. I guess I'll know for sure after midnight when I do my daily CCT pull..
I applied for the OmniPeace card, which is one of the best looking cards I've ever seen (plus it's a great charity). Lots of great charities to choose from... |
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What happens if you are not satisfied with the CL and you tell them no thank you and have the car closed with in the first 30 days..Since this card doesnt report I assume the worst that came out of it was a INQ on your TU report correct?..
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Which of these cards is offering the Zero percent BT with NO BT fees? I would like to get one specific one but definitely do want the be able to transfer a balance...
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My hubby got an EQ pull for UMB Pontiac Registry. He wanted the nifty card with the Trans Am on it, lol...
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Approved for the Linux Foundation (UMB) Visa with a $4,500 CL. I got the card in the mail today and was surprised that they matched my highest Visa/MC limit...
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I think the Guide Dogs for the Blind card is the favorite among the BTers...
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Okay, EVERYONE PLEASE SEND good vibes and positive approval MoJo my way. I applied this morning and got the standard 15 day online notification as expected..
I could REALLY use a decent card to hide utilization.. Fingers crossed big time - TU Myfico was 708 before pulling with 3% utilization, 5 inq's, 1 paid CO and a 9 yo BK (1 paid CO in dispute with TU now).... I will keep everyone posted and do chat next week to see if I was approved sooner, rather than waiting.... |
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Based upon some reports of mid 600s being approved, I applied 6/9 and used the chat on 6/17 to find out I was approved for 2k. Good approval for me, considering I am at 48% util overall (but bankcard util is probably 85%). myFICO 645, 0 inq, ave. age 2 yrs. oldest 4 yrs. Highest CL is $3,600 cc, $4,000 retail..
I think you have a good chance, considering my approval (although no baddies here).. I'm in California, they pulled EQ for me as well... good thing, I probably would have been denied otherwiseI have a tax lien on TU. creditpulls updated.. RCJ.. |
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As luck would have it, they pulled EQ, not TU.. which is considerably lower (663 instead of 708)....
We will see.. I'm bummed.. M... |
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If you are looking for a comprehensive list of all the available CardPartner creditcards look no further than Google..
Http://www.google.com/search?q=site:http:/...partner.com/app.. |
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This one kind of looks like AmEx Centurion card..
Http://www.cardpartn...om/app/beta-chi.. |
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I applied on 8/1, it allowed me to pick the design I wanted on the card, called to check status on 8/3, was approved for $3500..
Received card on 8/8. Pulled TU, 688 FAKO score.. Congrats all!.. |
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Congrats!.
Was this a co-branded card? some have reported the mainline UMB cards do report to the CRAs... |
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Thank you!!!.
I applied at the umb website.. Yes, it is already showing on my TU report, but I don't mind.. They are sooo nice to deal with! Love them!.. |
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I am hoping that my collection isnt showing up on TU AND hoping that TU is the only one that they will pull. still looking at the different cards here as I dont know if there is a difference or not in which one I apply for.. but transferring the balance sure does sound like a win for me if I can make it happen for cheap..
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