Sallie Mae MC and AMEX BCE ACCEPTED! Also CHASE FREEDOM!

Tonight I was accepted for the AMEX BCE and Sallie Mae World Mastercard! EDIT: ALSO CHASE FREEDOM! AMEX: $3000 CLSM MC: $5000 CLCHASE FREEDOM: $2500 I still need to do some researching on the world version of the MC, but I'm excited! Hopefully can get a Chase Signature in a few months! My Discover FICO showed: 746 but last update was 6/21/15 and I had a statement date of 6/27 that reported less than 1% utilization down from about 30%. Amex gave me a $250 bonus if I spend $1000 in 3 months, and SM is $25 after 1 purchase in 3 months I believe. Reported employed student making $25k (estimated if I remain in my job) 22 years old.

After posting 2 replies that disapeard after page refreshed. a short version. I may do Freedom now and only have $1500 in 3 months spending to get bonuses(Missed out on $200 for Freedom). I want to wait on CSP to spread spending out on bonuses. And If I wait till after August I can use the 40k point bonus for my August 2016 honeymoon and decide if the card is worth keeping before my AF comes up. It will be nice to use in Canada with no FTF. After CSP a venture may be after with travel bonus. I should stay under 5 card in 24 months as my portfolio is:Auto Loan: Nov 2012Discover It: July 2013Amex: June 2015Sallie Mae: June 2015 within 24 months: 2If I get Freedom: 3 Then CSP in Fall 2015 or Spring 2016: 4. Then Cap 1 doesn't seem to have same limit so should be good with them after Chase. EDIT: DID CHASE FREEDOM AS WELL!

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I have a french billing address with a uk visa credit card and is not acceptable also a french debit card which is not accepted

i have a french billing address with a uk visa credit card and a french debit card for the same billing address and both are not accepted

You would need the following:
1. You will need to have a valid billing address in the country
2. You will need a credit card with the same billing address
3. You will need to be physically present in the country at the time of
purchase

Freedom, Sallie Mae, and Fidelity Approval

Hi everyone. So I'm a 19 year old who has credit history of 1 year with just a Discover It. I was recently approved for the Chase Freedom ($2200), Sallie Mae ($500 haha), and the Fidelity Amex ($1000). I wasn't denied for any cards. I was also thinking about applying for the Amex PRG, but I decided to delay that appliation because I don't want Barclays to close my account for opening too many new accounts, and I can better utilize the rewards if I apply a bit later. Because these are 3 relatively good cards, I'd just like to share my experience so that others like me know that they can definitely get these cards with such little history. So here was my info before I applied for them:AAoA - 1 year (just the Discover It)Inquiries - I had 2 inquiries on TU. One was in June 2014 from opening the Discover account, and the other was in September 2014 for naively asking for a credit limit increase. I had 1 inquiry on EX from a BofA app in June 2014. I had no inquiries on EQ.Scores - TU FICO was 746. EX FAKO was 731. EQ FAKO was 721. Note: All of these scores probably were much lower when I actually applied because my utilization jumped from 7% to 51%. Oops haha.Utilization - 7% before 12th Discover statement cut; 51% after the 12th Discover statement cut. Basically, Discover decided to report a pending flight purchase along with my normal small balance, so while my 12th statement cut at 6% utilization, they decided to report 51% utilization.Income: $33000A bit more background: I'm a college student with two jobs at school, and I make a good amount of money at summer internships, but as you can see with my low limits, I doubt my income played that much of a factor (except with Chase's instant approval). Also, I always pay in full, so my credit history is pretty much perfect. Note: for people who are new to credit like me and are reasonably responsible, this isn't very difficult. So here's how my approvals went (they weren't super easy). I applied for the Chase Freedom first because it was the last day to get the $200 sign up bonus. I was instantly approved. Then, I applied for the Sallie Mae card, and got the 7-10 days message. I immediately called recon and convinced the guy to approve me, and he gave me a $500 starting limit. I asked him if he could bump it up to $1000, but he said he wasn't comfortable with that. I then applied for the Fidelity Amex, and again got the 7-10 days message. I called recon the next day because it was late at night. Unfortunately, the number that most people post, (866) 598-4971, isn't actually a useful number because the guy doesn't seem to enjoy his life and is very unhelpful. He just said that I wasn't approved. I then called some credit analyst number, and they said that wasn't the right number for what I was looking for but transferred me to the right number, (888) 221-6262. That is the currently working FIA recon number. However, they told me that because I was under 21, I had to go to a BOA branch and fill out some forms in person. They were entirely redundant, but those forms had a bunch stuff for guarantors to fill out. I didn't have one so I literally filled out half a page (stuff I had already put down on the online application). It took over an hour because the BOA person had no idea what I meant by the Fidelity card handled by FIA (under BOA), so I had to have her call the FIA recon number, and they figured it out together with my help. Basically, I got the impression that pretty much no one under 21 does this or at least not very much because BOA makes them jump through all these hoops. Anyway, that was on Friday, and I called again today to commence with the recon, but they said that they had already processed that info that I wrote down, and I was approved for a $1000 starting limit. Uh okay, I didn't really give them any information they didn't already have, but whatever haha. Anyway, point of the story is that with enough effort, hopefully you can get approved. Anyway, if you're demographically similar to me and want to read more, here's the thread that follows my going through the whole process.

Congrats! In my wallet: Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000; Barclay Ring Platinum MasterCard. 12,500. Total Credit: 61,800.
6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 6; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Take the risk to apply for Sallie Mae Mastercard?

Hello, all. I am looking to apply for my first credit card and the rewards of the Sallie Mae Mastercard look very appealing. However, I am unsure whether I would realistically get approved for this card. As for my credit situation, my Equifax and TU scores are 681. I have no inquiries, no late payments, and my average account age is 8 years. All of the accounts in my credit history are student loans that are currently deferred (I'm a current grad student) and the newest of these is over 6 years old. I would like to take advantages of the benefits of this card as soon as possible and I have not seen another card with comparable rewards; but I am conflicted, given the scores and circumstances that seem to have been approved & denied. I am thinking that my low income (grad student stipend) and not great credit score mean that I will probably not be approved for this card; but, I do not have any experience with this, so I thought I would seek some advice. Thank you in advance for any help!

MJ8121 wrote:
Thanks for the advice on Capital One. I tried the prequalify there and it said "we couldn't match your records to a card offer. But based on your answers, we think you might like this card" (the QuicksilverOne). I guess that means that I am not pre-approved for any of those cards? Just as a general question: if I apply for the Sallie Mae MC and am denied, how long would you all recommend waiting before applying for a different (more easily attainable) card?Recon first before applying for another if declined... I believe the UW/Analyst are open 24 hours a day.. Not sure on the other answer, but sure other people will weigh in... I still think the sticking point is no CC history even with the Apple CC from barclay's which is their easiest.. Barclay's isn't known to be a lender that wants to hand out credit to a person new into the game nor do they really like to have more exposure than other lenders either.. Obviously there are exceptions to every rule. As stated if you can afford a TU pull go for it, only 1 TU pull or should only be one against TU.. Otherwise I would suggest going for a Discover or Cap1 where you don't need cc history persay..

Sallie Mae and Barclay site

Does anyone know why the Sallie Mae is the only Barclaycard not available to app for directly on Barclay's main website? This is spooking me a bit and making me think approval is a bit more of a challenge.

humuhumunukunukuapuaa wrote:
pfarro, can you list your SL on the Sallie Mae? Thank youinstant approval was for 1000, after recon got it to 2200. she had told me 2100, but log in shows 2200 available. recon was painless, called in, explained I had just purchased a home (actually lowering my housing payment) and while 1000 was enough, I didn't want to crush myself with utilization. She commented on short history, put me on hold for 30 seconds and gave me the new number. I know I will never come close to 2200 on the card but I am also done with micro managing my score, so the larger limit helps.I would say at least for that call barclays was every bit as helpful and friendly as the fine folks as discover, no accent, perfect english,no repeating myself and I got what I was looking for.

RIP Amex BCE and Citi Diamond Preferred!

Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

baller4life wrote:
taxi818 wrote:
JonE wrote:
Good call. No sense paying that kind of money for something you don't use. That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months. For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?

HT202274 Apple ID has my old email address. It will not allow me to change the address and will not accept my password or ID questions. I recently upgraded to OSX Yosemite 10.10.1. I also have an Apple ID that works with iTunes and would like to keep i

Apple ID has my old email address. It will not allow me to change the address and will not accept my password or ID questions. I recently upgraded to OSX Yosemite 10.10.1. I also have an Apple ID that works with iTunes and would like to keep it as my primary.

To change the iCloud ID on your devices you have to go to Settings>iCloud, tap Delete Account, provide the password for the old ID when prompted (if using iOS 7), then sign back in with your current ID.
If you don't know the password for your old ID, or if it isn't accepted, you will have to temporarily recreate it in order to delete the existing account. To do this, go to https://appleid.apple.com, click Manage my Apple ID and sign in with your current iCloud ID. Click edit next to the primary email account, change it back to your old email address and save the change. Then edit the name of the account to change it back to your old email address. You can now use your current password to turn off Find My iPhone on your device, even though it prompts you for the password for your old account ID. Then save any photo stream photos that you wish to keep to your camera roll. When finished go to Settings>iCloud, tap Delete Account and choose Delete from My iDevice when prompted (your iCloud data will still be in iCloud). Next, go back to https://appleid.apple.com and change your primary email address and iCloud ID name back to the way it was. Now you can go to Settings>iCloud and sign in with your current iCloud ID and password.

HT2534 It doesn't have "NONE" in the process of Billing information. (It have Visa, Master and AMEX only.) How can I do. I don't have credit card for fill in. I also don't want to buy anything in App store.

It doesn't have "NONE" in the process of Billing information. (It have Visa, Master and AMEX only.) How can I do. I don't have credit card for fill in. I also don't want to buy anything in App store.

Follow the directions exactly, step by step. It does work.
Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card

Sallie Mae doesn't seem to want to grow with me. Anybody else have this problem?

I have had my Sallie Mae card since January. They gave me a startiing limit of $500. I have done a credit limit increase request and was offered $300. I felt insulted so I declined lol. I don't understand why they aren't offering a more reasonable increase. I am below 10% utilization on all my cards with many having a 0 balance. I have no new credit lines, no new inquiries. With the limits I have on other cards, I just don't get it. I am thinking of just closing the card rather than wasting another hard pull. If I am going to do a hard pull, I would rather it be on a new card with someone else. Any opinions or ideas?

bengalikejenga wrote:
fordguy89 wrote:
Barclays is like Chase I've read that they combine limits pretty easily. If you are low inquries try for the nfl. They gave me 5k SL when others gave 1500. I would love to open a Sallie Mae and do this but I burned a lot of inquiries.i think Fordguy is right.... you might be better off opening another Barclays card that you mind like but not really need, and combine the limits to get a good push on your Sallie Mae Credit card.... you profile seems like it could support it. I need to get my mind checked out or something. ^^^^ This kind of stuff seems to really bother me and I can't figure out why. I know one could rationalize it as playing the game....but I am sorry...there aint a person in this world that should have to open another account with the same dang bank, combine limits, strictly for a larger CL. That is ridiculous. This should not have to happen. I would give this crazy card one last hoorah. I would use it for almost everything, pay that sucker off multiple times per week, and do this for 2 months, maybe 3. Then if they wont raise you, then just use it strictly for the rewards and only use it for gas/groceries/amazon. Leave it in your glove box. I get that OP has a limit of 10k with amex and this seems small...that would be very frustrating to me too. I gotta say tho, I have NEVER been a fan of anything barclay until I discovered their ring. They cap their rewards WAY WAY WAY too low, the card is geared for students and maybe some more frugal spenders. I dunno I get better deals with gas gift cards and my other cards so I don't have a need for it. That ring tho, the ability to go get cash and deal with moving it around later, for a buck, that is crazy awesome! I would try to keep this card a little longer and change it to the ring once your limit is higher. But thats just me.

Are the memorized passwords in plain english? See Sallie Mae Website

I was just on the Sallie Mae payment website and they have a warning that memorized passwords can be accessed in plain English. I thought the passwords were suppose to be secure and encrypted. Is there an update that needs to be installed. Very concerning.

They stored encrypted in signons.sqlite even if you do not use a MP, but having access to the key3.db file is sufficient to decrypt them and the Password Manager will also show them if you copy the two files to another profile folder or computer.
The names and passwords stored in signons.sqlite are encrypted with a Triple DES key (CBC mode) that is stored in key3.db and a master password adds an additional level to this encryption.<br />
If you do not use a master password then having access to key3.db and signons.sqlite is sufficient to have access to the encrypted names and passwords by placing the two files in a Firefox profile folder.<br />
Always use a strong master password (e.g at least 12 characters) that can't be easily guessed or found via a dictionary look up or a script and you should be safe.<br />
Make sure that you remember that master password or else all your passwords are lost.<br />
You always need the matching file key3.db that was used to create a signons.sqlite file to make it possible to decrypt signons.sqlite.

Should I wait to apply for amex bce or apply for what i've been pre-qual for amex preferred gold

Hi, myfico scores are currently 695 eq, 693 tu & 683 ex. I have been getting emails and most recently a letter in the mail from amex wanting me to apply for the green card. I went to amex website to see what I would pre-qual for and got the green , gold and premier rewards gold card. The two cards that I aspire to get are amex bce and citi double cash. My question is should I take what I can get from amex now and go for a pc in a year (i read can't pc until 13 months has elapsed) our should I just keep on my steady path and wait until I get my score up to 720 -760 and apply? I currently have 3 dept store cc- hsn $750, ny&co $900 & vs $900, sdfcu secured cc $1000, fnbo $3000. Your thoughts on this is appreciated.

TigerRed wrote:
Hi, myfico scores are currently 695 eq, 693 tu & 683 ex. I have been getting emails and most recently a letter in the mail from amex wanting me to apply for the green card. I went to amex website to see what I would pre-qual for and got the green , gold and premier rewards gold card. The two cards that I aspire to get are amex bce and citi double cash. My question is should I take what I can get from amex now and go for a pc in a year (i read can't pc until 13 months has elapsed) our should I just keep on my steady path and wait until I get my score up to 720 -760 and apply? I currently have 3 dept store cc- hsn $750, ny&co $900 & vs $900, sdfcu secured cc $1000, fnbo $3000. Your thoughts on this is appreciated.You cant PC the PRG or any charge cards to a revolver like BC/ED. How many inquiries? I would say based on just your scores and limits, and the fact that they approved me in may with only a third of the total limits I have now, you will probably be fine. If I were you, I would google Amex PRG 50k, once the page comes up from amex, if it says 25k after 2k spend, keep hitting refresh or open from a inprivate/incognito browser until it says 50k points after 1k spend. If you are at all concerned about being denied, many say to go for a charge card from them first vs a revolver. But I would say, why not just apply for both products using only one hard pull? I have seen similar and lower scores get approved for the BCE. But if you look at the pulls data base you will see the BCE is harder to get than the ED. You may want to consider the two. I also thought that the BCE was what I really wanted at first, until I discovered the value of MR points. With the ED, no annual fee, easily 2.4 per dollar at grocery stores and 1.2 on everything else, and that can basically be worth double when redeeming for travel. Dont worry about the annual fee of the PRG. You can cancel it. But it does come with 100 a year free for airline fees.

RIP Amex BCE

Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

baller4life wrote:
taxi818 wrote:
JonE wrote:
Good call. No sense paying that kind of money for something you don't use. That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months. For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?

I loaded my I tunes card and it was accepted. Now I can't remember my log in I'd or password. What are my options?

I loaded my iTunes card and it was accepted. Now I can't remember my ID or password. How do I retrieve it?

Make sure that you allow pages to choose their colors and that you haven't enabled High Contrast in the Accessibility settings.
*Firefox > Preferences > Content : Fonts & Colors > Colors : [X] "Allow pages to choose their own colors, instead of my selections above"
See also:
*http://kb.mozillazine.org/Images_or_animations_do_not_load
*https://support.mozilla.org/kb/Images+or+animations+do+not+show

Our home address changed and our AMEX card identity has been stolen. So when i edit to change my address and AMEX number it won't let me and get this message: "YOUR SESSION HAS TIMED OUT. TRY AGAIN. How do I access the store to change my account????

We moved and our address has changed. Also our AMEX card identity has been stolen twice and AMEX has changed our number and security code twice already. Now i am trying to edit my account at Itunes. Every time I try to edit our account at Itunes, I get this message: "YOUR SESSION HAS TIMED OUT. TRY AGAIN" Anything i am doing wrong? How do I get to the accounting department without getting this message?
Thanks

I am having this problem too. I recently changed ISP b/c I wanted the iPhone, so I had to update my iTunes username to my Gmail account.
In fact, I logged in HERE using it as my new Apple Id... so it works!
But for some **** reason that is driving me nuts my iPhone will not connect to the iTunes store using my new Apple Id. It keeps saying my email has changed or is invalid and asks me to sign in to change it. So I do that, and it lets me in USING MY NEW Apple ID!!!! Then I go back out to the buy the App and the madness starts all over.
Come on Apple, do you want me to buy your apps, or what?

HT2534 i have no option of NONE in i tune account. and visa method is also declined.than how can i make the account in itune?

dear sir.
i am using iphone 4s. i have created apple ID. BUT when ever i want to install any application. than ask for itune account, there is no option of NONE. AND ITS NOT accepted visa card. what should i do now? because i don't have master amd amex facility.

We are fellow users here on these user-to-user forums, you're not talking to iTunes Support nor Apple.
Did you follow the instructions on the HT2534 page that you posted from when you created the account (I've just tried the instructions and I got the 'none' option on a new account) ? If not then credit card details will need to be entered before the account can be used to download any item from the store. If you are trying to use a debit card then they are no longer accepted in all countries.
If you are being prompted to review the account then you could see if this post by mountaingoatgirl lets you do so without needing to enter credit card details : https://discussions.apple.com/message/24303054
If not then you will need to create a new account, and use the instructions on that HT2534 page when creating it. If you want to use the same email address then you will need to replace it on that account first e.g. by tapping on it in Settings > iTunes & App Store on your phone, via the Store > View Account menu option on your computer's iTunes or via http://appleid.apple.com
Creating an account with 'none' via a computer's iTunes : https://discussions.apple.com/message/24321860

Sallie Mae MC and AMEX BCE ACCEPTED! Also CHASE FREEDOM!

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