Chennai Hyd 221g full ga instunnaru

[ronitreddy]

On 1/26/2017 at 4:00 PM, argadorn said:

amex discover citi bofa unayi 

 

amex discover 6 k 6k each for 18 months 0 apr and balance transfer echayi 12k pampicnha  madyalo like 6 months after discover 6 k katesha credit increase adiga 15 k cheshadu ...with still balance trnasfer valid so 15 k pampincha... did same thing with amex ...13 k echaru ...after 18 months na dagara savings unayi 15 k kattanu avi 24 k ala cheshadu with o percent balance trnasfer for 1 year ..same with amex too..yeah nuvu annatu next time ki na dagara savings undali kattadaniki  i agree if it is more than 40 k debt but e amount ki naku india lo eppudo interest and money  vacheseyi... issue eppudu vastahdhi anaty nuvvu ah money o apr end date  ayipoye lopu lekuntay ne dagara..

That's what I was talking about..If you are aiming between 50K - 100K..Picha light ani chebutha..Oka saturation varaku ochi aagipovala manam..Anthakante chesedi peddaga em undadu..

[Duke999]

44 minutes ago, ronitreddy said:

LOL..Pappulu kaalu vesindi nuvvu..Do you know what lenders look at when approving a loan/CC??

Having a good credit score doesn't just suffice. They look at various factors:

1. Length of Credit History

2. How many Credit inquires were made by you in the recent past

3. Credit to Debt Consolidation Ratio

4. No.of credit card/loan accounts and what type of credit you possess?

5. Any collateral

6. How much money you make ?

7. Credit score

Nen adgedi nu kattaleni situation unnapudu..Naade example tisko..Credit score ippudu 670 oo entho undi..Debt oka 20K undi ..Na credit limit ochesi 70K(6 cards)..Recent ga oka 4 months back personal loan ki apply chesa..At that point of time my credit score was hovering around 630's..20K approved..Last week urkene DCU ki apply chesa..adi ventane you recently applied for a personal loan..Did you ani adgindi..Why ani adgithe..Furniture adi idi ani cheppa..Last ki denial letter ochindi..Mari na credit score 670 undi..Aina kuda enduku deny ayindi mari?

Max lo max neku oka card mida 24 months 0% APR untadi..And evaru kuda neku starting lone 20-30K limit ivvaru..Ala isthe nu annatu easy ga vere CC appulu teercheyochu..Kani ala jargade..Ippudu nenu aa 40K pay off cheyadaniki entha save cheyali man..Adi pay chesentha varaku inko credit card raadu..Will you be able to pay off $40K in just 2 years(assuming you have been approved a CC with 40K limit - 0% APR for 24 months)..I feel it's mere impossible..Single income inka inka kastam.. It's not that easy to rotate the balances from a 0% APR to a high interest CC....

Ivanni gatha few years nunchi chesthane unnam..Interests kadthane unnam..It's not gonna work out man..at least nu cheppinantha easy aithe asale kadu..Lending money from CC is itself a big trap..You end up paying interests similar to India..

No one will ever realize this..By the time they realize this, the damage will happen..

my situation credit score 740 plus one car emi and some balances in credit card around 15k/50k. I'll make sure i use 30% average anytime. two months pay check run avala india vella. kodiga money avasaram unde. lending club loan apply chesa. 25k less than two minutes lo approve ayindi. i was shocked!! last time personal loan tisukunapudu pay checks pampincha call chesadu veriication ayyi two-three days pattindi and also ah 20k loan six months lo complete chesa. ee sari less than two min. amount select chesi apr ok chusukuni ok chesa anthe done. got email that your loan is approved ani. you must be a dependable borrower. thats it!! 

[r2d2]

Good Points

[Duke999]

ltt

[Akkumm_Bakkumm]

3 hours ago, AverageDesiGuy said:

I got my H1b (FTE) stamping on Dec 21st in HYD with out any issues.

 

Jan 20th ki mundu oka lekka, Jan 20th tarvatha oka lekka. Jaathi ratnam Trump vachadu ani cheptunnaru...

[Merabharathmahan]

4 hours ago, argadorn said:

akade papulo kalu vesavu...credit cards lo money rotate cheyali ..elagu credit history untundhi jjust manaki credit score kavali so example ki discover vadu 20 k echadu naku balance transfer chestha 3 percent and 0 percent apr ki migatha anni katestha...e malli edhi katesi enkoti credit increase chestha ala okay credit card lo okaty balance untundhi with o percent apr ...  yo can invest that money in india and any where ...same amount indi alo roatate chestay 1 month lo vachetshayi interest money ...

 

Credit card more than 30% use chesi oka 2 months just minimum pay chesthe credit score drop avutundi. any credit card 30% kante ekkuva use chesi alage balance unchoddu. 

I am not sure balance transfer 30% kante chesethe mari credit score padipotada

[ronitreddy]

2 hours ago, Duke999 said:

my situation credit score 740 plus one car emi and some balances in credit card around 15k/50k. I'll make sure i use 30% average anytime. two months pay check run avala india vella. kodiga money avasaram unde. lending club loan apply chesa. 25k less than two minutes lo approve ayindi. i was shocked!! last time personal loan tisukunapudu pay checks pampincha call chesadu veriication ayyi two-three days pattindi and also ah 20k loan six months lo complete chesa. ee sari less than two min. amount select chesi apr ok chusukuni ok chesa anthe done. got email that your loan is approved ani. you must be a dependable borrower. thats it!! 

I am not surprised..because ur credit utilization was decent enuf to get you an approval..740 chala manchi score..paystubs adgi vunte it would have been a diff story emo..

Plus ne savings chala important..Neku adi chala plus ayindi..More than 3k savings/month ..Nen aithe cheyalenu nayanamma..

Majority of the ppl end up paying only minimum payments when debts are > 50k

[ronitreddy]

1 hour ago, Merabharathmahan said:

 

Credit card more than 30% use chesi oka 2 months just minimum pay chesthe credit score drop avutundi. any credit card 30% kante ekkuva use chesi alage balance unchoddu. 

I am not sure balance transfer 30% kante chesethe mari credit score padipotada

Yes, it will degrade your credit score ani antaru mari..I am not sure

[reality]

Reported to PK.., to tweet-fight this situation and help the visa aspirants get GCs stapled as compensation.., 

[KalyanBabu]

bros ...my FICO score is 783

[jbourne]

On 1/26/2017 at 1:24 PM, jbourne said:

Maa frnds iddaru vellaru okadu November lo but he got cleared after a month.

inkokadu 21 dec nunchii waiting 

inko frnd Ninna finger prints ichchadu repu telustadii jathakam 

inokadu feb lo going pack ayitundii vadiki

Maa frnd ki eroju 221 g 

[argadorn]

15 minutes ago, jbourne said:

Maa frnd ki eroju 221 g 

thank you ...intlo pattu koni kurchuvali e year motham

[tennisluvr]

16 minutes ago, jbourne said:

Maa frnd ki eroju 221 g 

koolie or FT? 

[jbourne]

6 minutes ago, tennisluvr said:

koolie or FT? 

Coolie but into he is a doctor working in CLinical research thing in a Pharma company 

one was ms pharmacology guy working in sas

one was ms from npu

[tennisluvr]

13 minutes ago, jbourne said:

Coolie but into he is a doctor working in CLinical research thing in a Pharma company 

one was ms pharmacology guy working in sas

one was ms from npu

No discrimination in giving 221Gs anukunta kada