Personal line of credit help

Long story semi-short... 700-740 fico depending on which one.... I've had lots of different car loans, and a mortgage but only 2 revolving lines (both only $250) in the past 7 years. I applied and got approved through psecu for there ploc/visa combo for $20,000. I do a lot of car loans through them so I figured it wouldn't be a problem, but i'm probably on the edge for other banks ploc that I don't have that history with. What I want to do is open another personal loc, pull the money off the second line of credit, then balance transfer that to psecu to take advantage of the 2.99 transfer promo rate instead of 9.99%. My question is, since before I got approved for this 2 days ago I really didn't have any revolving credit worth speaking of, am I better off applying for another one now before this one shows up on my credit or waiting for it to show up on my credit that I have 2 lines with $20,000 limits? I just remember once before when building my credit I started with low limit cards and the next offers would just keep getting gradually higher than the last building off each other..... So is it better for a bank to know that another bank has trusted me with 2 $20,000 limits or better to look like I don't have any at all? I hope this makes sense after thinking about this a minute i guess the second line woudnt HAVE to be a PLOC and could be a cc since im just going to transfer it anyway, but i like the idea of PLOC's and the lower interest rates than credit cards. Any advise on PLOC's that I might be able to qualify for?

Until I applied for my Discover card last year, the only things on my credit report were student loans and maybe a closed JCPenney card that waas closed in 2012. I was approved with similar scores to yours. I think it just depends on the bank's criteria for approving credit cards. Some want to see a history of responsible credit use, others seem to look at scores alone. I know that probably doesn't help, but it's my 2 cents.

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I have just redeemed my iTunes card of 25 dollars, I have 23 dolIars left now, I tried downloading a few songs later, but it says something along the lines of credit mismatch mobile message, I can't download anything with credit. How do I fix the problem?

I really need help, I purchased an iTunes card about an hour ago and downloaded two things, I tried to download a couple songs but it won't let me, every time I try it says something along the lines of credit mismatch mobile message. How do I fix this? It says I have 23 dollars left but it's not working. How do I fix the problem? Please help!

its very annoying but you have to log out of your account. than try to buy the sone. it will ask you to sign in. do it. the sond will start to download. it only works once, so you have to do it over and over for every song :/

Is it possible multiple line items debit & single line item credit and different cost centers and different profit centers in fbcj

Hi all ,
I have a requirement to Post Cash Journal Document using FBCJ tcode.
Is it possible multiple line items debit & single line item credit and different cost centers and different profit centers
for exp:
pk   GL a/c   description       amount   cost center profit center
40 400101 telephone exp   500        1403            P 1000
40 400101 telephone exp    100       1404            P 2000
50 200100 cash in hand      600-
   This is My requirement is it possible in fbcj
    Please suggest me.ASAP.
Regards
   Naresh.

Hi,
This you can do it in two ways:
1. Make three header under top level....one Product A, 2nd Product B ( as Billing element) and third as Common expense ( only cost). Now 1st & 2 nd WBS, you have to have sales order linking with individual lint item, for third you will accumulate all the common expense till the period end then make a reposting of the same in desired proportion to both products WBS hierarchy
(This is if you want to have a track on the common expense as well.......like planning, budgeting & control)
After this reposting, run RA for individual billing element and hence you will all the complement detailing and control over Revenue and expense with respect to Product A and Product B individually.
2. If you don't want to maintain that kind of detailing the common expense and keep track of it through project, then have cost centers accordingly and make an assesment/ distribution with respect to expenses accumulated at those cost centers for the period to the respective WBS under each product. Then execute the period end processes for the project.
Or
You can try with have two more line items in the costing sheet as an overhead against common expenses with respect each product.
I hope this should help you.
Regards
Avisek Bhardwaj

Applying for multiple lines of credit at once

Hi all, So I have fair credit (667TU/669Equifax) with ~5 years repayment history on 15 open student loan accounts (ugh), all in good standing with no bad marks on my report. I want to refinance a few of my high-interest private loans, and before that I'm planning to boost my credit by opening up a credit card, my very first in my 27 years. I have an irrational fear of credit cards, as I've seen too many family and friends abuse them and get into a lot of trouble, so it's taken a lot to work myself up to get this far. I'm not sure which would be the best card for me to apply for, and I would be very grateful for any suggestions, but that is not why I am making this post. My s/o approached me last night with a proposition to get a new livingroom couch that we really do need. Apparently Bob's Furniture is having some amazing 4th of July sale that she wants to take advantage of, so she wants me to try to apply for a line of credit with the store in order to finance the purchase (since I don't already have a credit card, and she has literally NO credit whatsoever). I have no doubt that the balance could be paid off within a few months, or even by the end of this month. Would this be a good idea for me, keeping in mind my ultimate goal of getting a credit card and keeping a low balance on it in order to boost my score? Would my application even be approved? And if so, would it negatively affect my score or otherwise affect my chances of applying for another credit card at around the same time? If she tried to apply instead of me, would she be denied (I'm thinking probably, she applied for a Kohl's card earlier in the year to get the discount on her purchase and was immediately denied)? Basically, should I go through with this, advise her to try to open a line of credit herself and start rebuilding her own credit, or tell her to wait until they have another sale and I've had time to apply for a proper credit card?

Murphys-Law wrote:
Hi all, So I have fair credit (667TU/669Equifax) with ~5 years repayment history on 15 open student loan accounts (ugh), all in good standing with no bad marks on my report. I want to refinance a few of my high-interest private loans, and before that I'm planning to boost my credit by opening up a credit card, my very first in my 27 years. I have an irrational fear of credit cards, as I've seen too many family and friends abuse them and get into a lot of trouble, so it's taken a lot to work myself up to get this far. I'm not sure which would be the best card for me to apply for, and I would be very grateful for any suggestions, but that is not why I am making this post. My s/o approached me last night with a proposition to get a new livingroom couch that we really do need. Apparently Bob's Furniture is having some amazing 4th of July sale that she wants to take advantage of, so she wants me to try to apply for a line of credit with the store in order to finance the purchase (since I don't already have a credit card, and she has literally NO credit whatsoever). I have no doubt that the balance could be paid off within a few months, or even by the end of this month. Would this be a good idea for me, keeping in mind my ultimate goal of getting a credit card and keeping a low balance on it in order to boost my score? Would my application even be approved? And if so, would it negatively affect my score or otherwise affect my chances of applying for another credit card at around the same time? If she tried to apply instead of me, would she be denied (I'm thinking probably, she applied for a Kohl's card earlier in the year to get the discount on her purchase and was immediately denied)? Basically, should I go through with this, advise her to try to open a line of credit herself and start rebuilding her own credit, or tell her to wait until they have another sale and I've had time to apply for a proper credit card?A furniture store card is essentially useless to you once you have the couch. I would apply for a card that you can use long term. You will get a score boost when you open a credit card, and it will further help build your profile and score. Unless the sale is insane, I would skip the store card and do some research on what credit card would work best for you (rewards structure). Are those scores FICO scores, or FAKO scores (CreditKarma etc)?

NFCU Line of Credit Application

I am not sure this is the right place for this post as it is not a credit card application, so I aologize if I posted incorrectly. Yesterday I logged into my NFCU account & saw the 'Apply for Checking Line of Credit' link & finally decided to click on it.I then completed the Overdraft Line of Credit Application and received the following response:Your application is under review.
• Typically, a decision is made in less than 1 hour.
• You will be contacted shortly.
• In most cases, contact will be made via email or text. That was yesterday around lunch. Today, I logged in and selected 'Check Status of Pending Loan Application' and the status still shows "Review in Process".I take it that's not a good sign. I have received no email or anything about the application.

i app about 2weeks ago, and mine said the same if you put in a cell phone number or email they will text/email you when your approved but the status may say under review. after being approved mine no longer said congrats your credit limit is____. i called and a rep told me for what amount. hope this helps good luck

Unused Limit Fee for Non-revolving Lines of Credit Calculation

Hello, gurus!
Question is about non-revolving lines of credit. In line's master we specify some additional flows besides limit, period of validity.
So when we define unused limit fee parameters in non-revolving line of credit master, the system automatically generates financial flows for this fee calculating as
(Initial Credit line Limit - Tranche Amounts + Tranche Repayments)InterestDays of calculating/Days in the Year.
Which is incorrect for Non-revolving lines which should not take in concern Tranche Repayments.
So we need to either ignore repayment flows or change calculation method for Unused Limit Fee flows.
We tried to fix this both with SPRO and ABAP but it didn't help.
Would be great to hear any ideas!
Thanks.

Until I applied for my Discover card last year, the only things on my credit report were student loans and maybe a closed JCPenney card that waas closed in 2012. I was approved with similar scores to yours. I think it just depends on the bank's criteria for approving credit cards. Some want to see a history of responsible credit use, others seem to look at scores alone. I know that probably doesn't help, but it's my 2 cents.

Sub-line of credit in case of facilities

Hi,
I have created various lines of credit in TCL1 such as
1.Funded
2.Non-Funded, etc
I created a facility using 56B. At the structure tab, there is an option 'Other lines'. Here, I want to have the Prim.line of credit as the Main line of credit and the sub-lines of credit as
Funded and Non-funded.
However when I try to do that I get an error FTR_FC012:Main Line of credit cannot be selected.
Please guide.

Hi,
Thanks for your suggestion. However, there is a problem.
Let me give u an example for better understanding of the requirement.
eg. Suppose there is a facility sanctioned for $1 million out of which $0.60m is funded and $0.40m is non-funded.
So the limits would be:
Main line of credit/prim.line of credit =$1m. The bifurcation of which would be Subline : funded=$0.60m & non-funded= $0.40m
When I draw $0.30m against Funded sub-line, my drawings should show $0.30m against Funded as well as main(prim.) line of credit.
However, currently I am getting drawings only against Funded and not against the main line of credit.
In other words, it is treating the main line of credit as independent of the subline.

I am doing a cover for O.M.G. by usher and it requires 4 to 5 different vocal layers. My first "line" of vocals keeps disappearing even after i save it. So I have to redo everything on the top line. Any help?

I am doing a cover for O.M.G. by usher and it requires 4 to 5 different vocal layers. My first "line" of vocals keeps disappearing even after i save it. So I have to redo everything on the top line. Any help?

For what it's worth, you posted this in 2011, and here in 2014 I am still having this same issue. Over the last two days, I have had to unlock my apple account 8 times. I didn't get any new devices. I haven't initiated a password reset. I didn't forget my password. I set up two factor authentication and have been able to do the unlocking with the key and using a code sent to one of my devices.
That all works.
It's this having to unlock my account every time I go to use any of my devices. And I have many: iMac, iPad, iPad2, iPad mini, iPhone 5s, iPod touch (daughter), and my old iPhone 4 being used as an ipod touch now. They are all synced, and all was working just fine.
I have initiated an incident with Apple (again) but I know they are just going to suggest I change my Apple ID. It's a simple one, and one that I am sure others think is theirs. I don't want to change it. I shouldn't have to. Apple should be able to tell me who is trying to use it, or at least from where.
Thanks for listening,
Melissa

Draw negative lines to credit notes

There are business cases for using negative lines on marketing documents. In most documents these are now, or are soon to be, working, but there appears to be no plan to allow these to be drawn to credit notes?
If this is not possible, it would be good to at least allow the draw document wizard to open allowing the positive lines to be drawn, leaving the negative ones behind. This will allow the item costs to remain accurate and remove the possibility for error in translation.

Mrs. Jamieson,
Negative lines in Credit note will be available in 8.8 release.
Regards,
Martin Duffek
SAP Business One

Suddenly I can't move files to trash, whe I try to drag them to it there is a cirle with a diagonal line across. HELP!

Suddenly I can't move files to trash, whe I try to drag them to it there is a cirle with a diagonal line across. HELP!

Back up all data. Don't continue unless you're sure you can restore from a backup, even if you're unable to log in.
This procedure will unlock all your user files (not system files) and reset their ownership and access-control lists to the default. If you've set special values for those attributes on any of your files, they will be reverted. In that case, either stop here, or be prepared to recreate the settings if necessary. Do so only after verifying that those settings didn't cause the problem. If none of this is meaningful to you, you don't need to worry about it.
Step 1
If you have more than one user account, and the one in question is not an administrator account, then temporarily promote it to administrator status in the Users & Groups preference pane. To do that, unlock the preference pane using the credentials of an administrator, check the box marked Allow user to administer this computer, then reboot. You can demote the problem account back to standard status when this step has been completed.
Triple-click the following line on this page to select it. Copy the selected text to the Clipboard (command-C):
{ sudo chflags -R nouchg,nouappnd ~ $TMPDIR.. ; sudo chown -R $UID:staff ~ $_ ; sudo chmod -R u+rwX ~ $_ ; chmod -R -N ~ $_ ; } 2> /dev/null
Launch the Terminal application in any of the following ways:
☞ Enter the first few letters of its name into a Spotlight search. Select it in the results (it should be at the top.)
☞ In the Finder, select Go ▹ Utilities from the menu bar, or press the key combination shift-command-U. The application is in the folder that opens.
☞ Open LaunchPad. Click Utilities, then Terminal in the icon grid.
Paste into the Terminal window (command-V). You'll be prompted for your login password. Nothing will be displayed when you type it. You may get a one-time warning to be careful. If you don’t have a login password, you’ll need to set one before you can run the command. If you see a message that your username "is not in the sudoers file," then you're not logged in as an administrator.
The command will take a noticeable amount of time to run. Wait for a new line ending in a dollar sign (“$”) to appear, then quit Terminal.
Step 2 (optional)
Take this step only if you have trouble with Step 1 or if it doesn't solve the problem.
Boot into Recovery. When the OS X Utilities screen appears, select
Utilities ▹ Terminal
from the menu bar. A Terminal window will open.
In the Terminal window, type this:
res
Press the tab key. The partial command you typed will automatically be completed to this:
resetpassword
Press return. A Reset Password window will open. You’re not going to reset a password.
Select your boot volume ("Macintosh HD," unless you gave it a different name) if not already selected.
Select your username from the menu labeled Select the user account if not already selected.
Under Reset Home Directory Permissions and ACLs, click the Reset button.
Select
 ▹ Restart
from the menu bar.

Bank account lines of credit

Everytime I sign into my bank account it asks me if I want a credit line in order to avoid bounced checks etc. If I check yes to this will it result in a HP? Also, does this show up on my credit report as a line of credit similiar to a credit card?

DeeBee78 wrote:
red259 wrote:
Creditaddict wrote:
DeeBee78 wrote:
red259 wrote:
Everytime I sign into my bank account it asks me if I want a credit line in order to avoid bounced checks etc. If I check yes to this will it result in a HP? Also, does this show up on my credit report as a line of credit similiar to a credit card?Everyone needs to stop saying it won't result in a HP . It depends on the bank. Capital One 360 does a HP when applying for an overdraft LOC, and every time you request a CLI. Their Overdraft LOC does not show up on credit reports. i think when op stated that this is actually just permission to pay transactions that will make you negative vs an overdraft line means it won't be a hp because it's not an actual account, it's the disclosure they are required for you to agree before charging you $34 for using your debit card when your checking account is empty. If I miss understood that, then im confused again!Yea, I think this is what it is. Just the disclosure and authorization to pay an overdraft and zing me with the interest. You guys are confusing each other - it's not the same thing. Opting into overdraft protection will result in an exorbiant $25+ one-time fee per transaction. Opting into an overdraft line of credit is when they'll charge you interest for everything that takes you below a $0 balance. Overdraft protection isn't a line of credit, so no HP or SP.Overdraft line of credit could be a HP or SP. Of course now when I log in it doesn't pop up when it has been popping up for the last several months. I can't find the wording they used. I know for a fact what I had with citibank was an overdraft line of credit in the sense that I was charged interest. I can't remember the wording that my main bank used. Maybe the offer will pop up against later and I can cut and paste it.

REport: Lines on credit hold ? what is purpose of this report

Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

I am not sure what this question relates to - it might be an
Oracle Order Management question.
Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

Line of Credit

I m doing line of credit in Bill of Exchange.
My Scenario is following
FB70 Customer invoice   Customer A/c Dr
                                        To Sales
F-36 Pmt                        BOE A/c Dr
                                        To Customer
F-33 Discounting            Bank A/c Dr
                                         To Disc. liab.A/c
Now at this stage i recvd the amt from my Customer also.
Then at this stage i have rcvd amt frm bank as well as customer also.
Now what is entries should be passed ?
Shall i pass F-20?

As I can understand:
1.You have discounted the BOE with a Bank and received payment from the Bank.
2.You have also received payment from the customer.
Action required:
1. Reverse the BOE through F-20 as it is not required any more.
2. Pass an entry for F-33 reversal also
3. Post incoming payment through F-28.This will clear the customer balance from FB70.
Rgds
Harmees

I seem to have lost carrier settings on my iPad1,I've tried a restore and update but get a message about the original sim card,which I still have but is inactive,really inconvenient as I can only use in wifi spots and off line mode,please help,sibear.

I seem to have lost carrier settings on my iPad1,I've tried a restore and update but get a message about the original sim card,which I still have but is inactive,really inconvenient as I can only use in wifi spots and off line mode,please help,sibear.

You might want to download something called an undelete utility. These can find files and recover them even after they appear to have been lost. There are some undelete utility programs that are free. Look at tucows.com
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Next, in the future ... NEVER (that's: don't even think about it) move your photos in Windows. NEVER. NEVER. Not ever. Not once. This always (that's ALWAYS, as in 100% of the time) causes problems and usually makes things difficult to fix.
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Windows control panel routine to designate Elements 12 as my default editor does not list the program. It loaded OK and accepted the key. Your regular help line could not help. What to do?

Windows control panel routine to designate Elements 12 as my default editor does not list the program. It loaded OK and accepted the key. Your regular help line could not help. What to do?

Hi Robbie,
The editor program is NOT under the organizer path as you mentioned in your last message. The actual editor program is at the location I gave in message #1 i.e. as follows
"C:\Program Files (x86)\Adobe\Photoshop Elements 12\PhotoshopElementsEditor.exe"
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If you go to the Open With screen I showed in message #3 and browse to the actual editor as given above, it should show up in your list.
If it doesn't, then Windows is playing up again - and we have to take extra steps.
Brian

Personal line of credit help

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