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jodee

Credit,.....

By jodee in Off Topic

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jodee Proficient

jodee   30

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Filed: Citizen (apr) Country: Australia
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Posted

Ok guys,....just an update.

Back in late November, early December last year, I applied for a credit card with USAA. I had no history of credit in the US, and my husbands is not the best, so I was surprised when they offered me a $500 credit limit, with no security. All I had said when applying, was I was new to the country, had had Good Credit at home, and was simply trying to establish my credit here.

Well, low and behold,...I was just online a few minutes ago checking the banking, and stuff,...and nearly fell off my chair. My credit limit has been increased to $1400.

All I can say is WOW.....

IM on my way,...... :dance:

Jodee

"When a man is educated, an individual is educated; when a woman is educated, a family and a country are educated."

— Mahatma Gandhi

The timeline... (Frankfurt) for the kids visas

10/22/2007 Filed I-130 x 2 in person + paid 710 USD (355 each )

10/22/2007 Filed DS-230 part 1 x 2

10/22/2007 Received the document checklist and FRN (case) numbers

12/18/2007 I-130 petition approved, but I didn't know. I was away at the time, didn't get confirmation letters til I got back from the states.

12/20/2007 Notice of Approval arrives in tha mail. According to the date received stamp on back of envelope at my post box.

Will now wait til hubby is back from Iraq to fax in checklist readiness, even though, I have been ready since day of lodging I-130's. all except medical.

02/18/2008 Faxed the "checklist" back to the consulate.

02/25/2008 Medicals completed.

02/25/2008 Appt letters in mail for appt on March 7th. Cant go due to prior military commitments. Emailed consulate and received an amended appt date of March 12th 2008.

03/12/2008 Visa interview - APPROVED x 2

03/27/2008 Visa's finally generated. I emailed the consulate. they apologised for the delay. They forgot to issue the visas after approval.

03/31/2008 Received visas

04/26/2008 Flying out of Frankfurt to next duty station on orders.

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Jaylen Brit Experienced

Jaylen Brit   0

Posted
Filed: AOS (pnd) Country: United Kingdom
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Posted

oh coooool!

I will be in the same situation as you (plus my OH isn't a fan of credit, too easy to get in problems, which is fair comment) - tho I'm takin my visa card with me when I move (they said they have no issue with me moving as long as they know where I am and I pay the bills, lol) but I really want a US card!

WTG Jodee!

Applied for K1

Met online 2001 - just aquaintances

Sept 2002 - 1st US visit - everything goes perfectly.

Dec 20th - Forms recev'd at CSC

Dec 27th - NOA1 received by snail mail!

Dec 29th - 'Touched'

March 10 2006 - NOA2!

March 23 - recv'd at NVC

March 24 - petition sent to London

April 9th - Pkt 3 rec'd!

May 17th - Pkt 3 signed for at London Embassy

May 24th - Medical

May24th - Pkt 4

June 14th - Interview 10am - APPROVED 1pm!!

June 16th - Visas received in my hot little hands 1pm :)

July 19th - flying to US!

July 27th - Married!! :-)

Aug 7th - Applied for SSN in married name

Aug 9th - SSN received

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I'm not a lawyer I just have opinions on everything :)

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jodee Proficient

jodee   30

Posted
Filed: Citizen (apr) Country: Australia
 Timeline
  • Author
Posted

I worked for 16 years in the Finance and Home Loan industry, I know how to control credit, and maintain it. Just because I have it DOES NOT mean , I am going to spend it. I still retain my credit card at home too. My hubbys poor credit has a LOT to do with his ex wife. So, maybe by doing this, I can establish something, which works towards us eventually getting a home loan.

I agree, with your hubby Jaylen, you can get into problems easily. But, I have learnt over many years how to take control, and not let it take control of me,....LOL. And Yeah Gwen, it does make life, a hell of a lot easier,...

Jodee

"When a man is educated, an individual is educated; when a woman is educated, a family and a country are educated."

— Mahatma Gandhi

The timeline... (Frankfurt) for the kids visas

10/22/2007 Filed I-130 x 2 in person + paid 710 USD (355 each )

10/22/2007 Filed DS-230 part 1 x 2

10/22/2007 Received the document checklist and FRN (case) numbers

12/18/2007 I-130 petition approved, but I didn't know. I was away at the time, didn't get confirmation letters til I got back from the states.

12/20/2007 Notice of Approval arrives in tha mail. According to the date received stamp on back of envelope at my post box.

Will now wait til hubby is back from Iraq to fax in checklist readiness, even though, I have been ready since day of lodging I-130's. all except medical.

02/18/2008 Faxed the "checklist" back to the consulate.

02/25/2008 Medicals completed.

02/25/2008 Appt letters in mail for appt on March 7th. Cant go due to prior military commitments. Emailed consulate and received an amended appt date of March 12th 2008.

03/12/2008 Visa interview - APPROVED x 2

03/27/2008 Visa's finally generated. I emailed the consulate. they apologised for the delay. They forgot to issue the visas after approval.

03/31/2008 Received visas

04/26/2008 Flying out of Frankfurt to next duty station on orders.

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Jaylen Brit Experienced

Jaylen Brit   0

Posted
Filed: AOS (pnd) Country: United Kingdom
 Timeline
Posted (edited)

oh Im with you hun! LOL I love my credit card, and I've never paid a penny in interest the whole time I've had (I bet they HATE me, lol) so my credit rating is super-de-dooper..but it won't be once I leave the UK cos I'll have no credit history in the US :crying: That's why reading posts like yours gives me cause for hope :):thumbs:

Edited by Jaylen Brit

Applied for K1

Met online 2001 - just aquaintances

Sept 2002 - 1st US visit - everything goes perfectly.

Dec 20th - Forms recev'd at CSC

Dec 27th - NOA1 received by snail mail!

Dec 29th - 'Touched'

March 10 2006 - NOA2!

March 23 - recv'd at NVC

March 24 - petition sent to London

April 9th - Pkt 3 rec'd!

May 17th - Pkt 3 signed for at London Embassy

May 24th - Medical

May24th - Pkt 4

June 14th - Interview 10am - APPROVED 1pm!!

June 16th - Visas received in my hot little hands 1pm :)

July 19th - flying to US!

July 27th - Married!! :-)

Aug 7th - Applied for SSN in married name

Aug 9th - SSN received

uk.gif1273.gifusa.gif

3dflagsdotcom_uk_2fawm.gif3dflagsdotcom_usa_2fawm.gif

I'm not a lawyer I just have opinions on everything :)

animated flags from http://3dflags.com

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gimygirl Proficient

gimygirl   0

Posted
Filed: K-1 Visa Timeline
Posted

can totally relate!! just the feeling of security knowing that you have a higher credit limit should an emergency arrive ... priceless!!! :thumbs:

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Music___Lennon___Imagine_by_jjjean6.png

Faith: not wanting to know what is true.~Nietzsche~

“The truth is incontrovertible, malice may attack it, ignorance may deride it, but in the end; there it is.”

~Winston Churchill~

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Jaylen Brit Experienced

Jaylen Brit   0

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Filed: AOS (pnd) Country: United Kingdom
 Timeline
Posted

god yeah!! :lol:

Its this whole 'secured cedit card' thing I hear you can get in some banks - and they allow you maybe a smuch as..$500 credit LMAO

I have around $10,000 credit on my UK card - and 500 just seems like a slap in the face :D I know, I know..we all gotta start somewhere but sheesh..roll on credit history! :D

Applied for K1

Met online 2001 - just aquaintances

Sept 2002 - 1st US visit - everything goes perfectly.

Dec 20th - Forms recev'd at CSC

Dec 27th - NOA1 received by snail mail!

Dec 29th - 'Touched'

March 10 2006 - NOA2!

March 23 - recv'd at NVC

March 24 - petition sent to London

April 9th - Pkt 3 rec'd!

May 17th - Pkt 3 signed for at London Embassy

May 24th - Medical

May24th - Pkt 4

June 14th - Interview 10am - APPROVED 1pm!!

June 16th - Visas received in my hot little hands 1pm :)

July 19th - flying to US!

July 27th - Married!! :-)

Aug 7th - Applied for SSN in married name

Aug 9th - SSN received

uk.gif1273.gifusa.gif

3dflagsdotcom_uk_2fawm.gif3dflagsdotcom_usa_2fawm.gif

I'm not a lawyer I just have opinions on everything :)

animated flags from http://3dflags.com

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Laura_and_IanM Rising Star

Laura_and_IanM   0

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Filed: K-3 Visa Timeline
Posted

lmfao..u lot are too much...pmsl...I don't think I have ever seen anyone so enthusiastic about credit..But way to go...poor credit is not so good..I for one know. I still have doctor bills on my credit report that weren't even from me but from my ex husband...but because we were married and we were on the same insurance plan...it goes on both credit reports...you can't believe the problems it has caused me. Even to get utility bills in my name is a nightmare!!!

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Love is not an EMOTION or FEELING....

That if made from the heart...will outlast ANYTHING AND EVERYTHING!!!!

http://www.visajourney.com/forums/index.php?showtopic=117 (shortcuts)

TIMELINE

04/29/2006......MARRIED MY VERY OWN CLOWN WOOOHOOOO

Now we are through with immigration until the end of 2008. Please read my timeline to see our process. Remember, patience is a beatuiful thing if you can remember to keep it...I will be damned if we did lol. We are all here on this site for the same reason...lets all help one another...

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Ban Hammer Grand Master

Ban Hammer   13,340

Posted
Filed: Citizen (apr) Country: Brazil
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Posted
Ok guys,....just an update.

Back in late November, early December last year, I applied for a credit card with USAA. I had no history of credit in the US, and my husbands is not the best, so I was surprised when they offered me a $500 credit limit, with no security. All I had said when applying, was I was new to the country, had had Good Credit at home, and was simply trying to establish my credit here.

Well, low and behold,...I was just online a few minutes ago checking the banking, and stuff,...and nearly fell off my chair. My credit limit has been increased to $1400.

All I can say is WOW.....

IM on my way,...... :dance:

Jodee

yup, and they will keep raising it too. i'm shocked i can buy a new car now with my credit card

* ~ * Charles * ~ *
 

I carry a gun because a cop is too heavy.

 

USE THE REPORT BUTTON INSTEAD OF MESSAGING A MODERATOR!

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Hilarious Clinton Grand Master

Hilarious Clinton   452

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Filed: Lift. Cond. (apr) Country: Solomon Islands
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Posted

Be a real American and max out your card. ;)

"The fact that we are here today to debate raising America’s debt limit is a sign of leadership failure. It is a sign that the U.S. Government can’t pay its own bills. It is a sign that we now depend on ongoing financial assistance from foreign countries to finance our Government’s reckless fiscal policies."

Senator Barack Obama
Senate Floor Speech on Public Debt
March 16, 2006



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gimygirl Proficient

gimygirl   0

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Filed: K-1 Visa Timeline
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yup, and they will keep raising it too. i'm shocked i can buy a new car now with my credit card

you also need to be leary of having TOO much credit as well. you can be denied loans if you have too much available credit!! just because you don't use it, doesn't mean it's not available to you ... catch my drift!?! :huh:

Be a real American and max out your card. ;)

have you extended the very same advice to your wife!?!? :whistle:

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Music___Lennon___Imagine_by_jjjean6.png

Faith: not wanting to know what is true.~Nietzsche~

“The truth is incontrovertible, malice may attack it, ignorance may deride it, but in the end; there it is.”

~Winston Churchill~

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munchkins Proficient

munchkins   0

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Filed: IR-1/CR-1 Visa Country: United Kingdom
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Nice one Jodee, if you know how to control it - good for you

I never knew until I was speaking to a mortgage guy over there that you can use your electricity, mobile bills just about anything that you pay monthly to start a "trade line" which will help towards the credit score

[The reason god put spaces in between your fingers was so another person's hands could fill it up.

CHERISH YESTERDAY, LIVE TODAY AND DREAM TOMORROW

Life is like a song... Sing it.

Life is like a challenge... Pursue it.

Life is like a sacrifice... Offer it.

Life is love... Enjoy it.

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Ban Hammer Grand Master

Ban Hammer   13,340

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Filed: Citizen (apr) Country: Brazil
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Posted

yup, and they will keep raising it too. i'm shocked i can buy a new car now with my credit card

you also need to be leary of having TOO much credit as well. you can be denied loans if you have too much available credit!! just because you don't use it, doesn't mean it's not available to you ... catch my drift!?! :huh:

wise advice for those starting to build a credit rating. as i don't need any loans - just the house is all i'm paying for - and the max limit on the card is about 1/4 of my earnings a year, things should be well.

* ~ * Charles * ~ *
 

I carry a gun because a cop is too heavy.

 

USE THE REPORT BUTTON INSTEAD OF MESSAGING A MODERATOR!

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w¡n9Nµ7 §£@¥€r Grand Master

w¡n9Nµ7 §£@¥€r   123

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Filed: Timeline
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yup, and they will keep raising it too. i'm shocked i can buy a new car now with my credit card

you also need to be leary of having TOO much credit as well.

Many dealerships won't let you put an entire car on your credit card. Some actually have a limit of 5K on credit and they want cash or certified check for the rest.

Man is made by his belief. As he believes, so he is.

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gimygirl Proficient

gimygirl   0

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Filed: K-1 Visa Timeline
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Many dealerships won't let you put an entire car on your credit card. Some actually have a limit of 5K on credit and they want cash or certified check for the rest.

speaking of ..... have you and the wifey-poo bought a car yet!?!? transport027.gif

line_bar_12d.gifline_bar_12d.gif

Music___Lennon___Imagine_by_jjjean6.png

Faith: not wanting to know what is true.~Nietzsche~

“The truth is incontrovertible, malice may attack it, ignorance may deride it, but in the end; there it is.”

~Winston Churchill~

text___just_be_animated_colour_by_j.gif

line_bar_12d.gifline_bar_12d.gif

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