When to refinance ?

[Anonymous]

I just got my refi approved for 4% w/ the Platinum CC at a 3K limit !

They told me it's mandatory to create an account so that's currently pending at the moment.. although if the account doesn't go through I cannot use the loan..

fingers crossed !

[Anonymous]

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@Anonymous wrote:

I just got my refi approved for 4% w/ the Platinum CC at a 3K limit !

They told me it's mandatory to create an account so that's currently pending at the moment.. although if the account doesn't go through I cannot use the loan..

fingers crossed !

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Congrats on the auto and CC approvals!

It looks to me like it is just a procedure thing and things will go well for you.  I would have great diifficulty understanding why they would not let your membership account go thru when they are fine with an auto loan and a CC.

It is probably just to provide ID and perhaps income verification.

Congrats again!

[Anonymous]

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@Anonymous wrote:

I just got my refi approved for 4% w/ the Platinum CC at a 3K limit !

They told me it's mandatory to create an account so that's currently pending at the moment.. although if the account doesn't go through I cannot use the loan..

fingers crossed !

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Great news, refinancing cars  when your credit situation is improving is always a good thing.  I have to say I am sure the dealer jacked up the APR on your origional car loan which was part of the reason for the high rate.  They make a lot of money that way and prey on first time buyers, folks with so-so credit or just about anyone they can get to agree to their deals.  Now you are going to have an established relationship with a good credit union so next time you will be able to get preapproved for a great rate and won't have to bother with the dealers tactics.  The only time I would let a dealer arrange financing is if you qualify for one of the factory sponsored finance programs a 0%, 0.9% etc, other than that your better off arranging for your own in almost all situations.  Congratulations. Isn't myfico the best place on the net??

[Anonymous]

AMEN to that !! I love this place now..

I also got approved for my motorcycle loan as well 

To add on top, I just got approved on the Venture cards except my APR is HIGH (it's like not like I'll carry a balance)

SL: Venture= 5K // Ventureone =3K

Does anyone have any experience with the Venture when it comes to the annual fees ? My assumption is that you have to use it enough to balance out the mileage / annual fee ?

Thanks !

[Luscher]

DCU

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

AMEN to that !! I love this place now..

I also got approved for my motorcycle loan as well 

To add on top, I just got approved on the Venture cards except my APR is HIGH (it's like not like I'll carry a balance)

SL: Venture= 5K // Ventureone =3K

Does anyone have any experience with the Venture when it comes to the annual fees ? My assumption is that you have to use it enough to balance out the mileage / annual fee ?

Thanks !

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Way to go.  You rock!

Be sure to hit Cap 1 up for a credit line increase every three months.  It is a soft pull so it won't hurt your credit score.

Now with three new credit cards, a car loan and a motorcycle loan, you should be good for a year or so.

Thanks for taking advice and not running out and opening five crappy store cards.  It is a pleasure to work with a new person who actually listens!

[FeeBear]

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@Anonymous wrote:

I just got my refi approved for 4% w/ the Platinum CC at a 3K limit !

They told me it's mandatory to create an account so that's currently pending at the moment.. although if the account doesn't go through I cannot use the loan..

fingers crossed !

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Congrats Kvnpak,

        Welcome to the DCU Family

Fee