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Congrats!!! Didn't I tell you that you'd be pleasantly surprised! I knew it'd be instant approval with a big limit! I am very happy for you!
@Mustangfrank wrote:I guess I should although the Discover card was supposed to be my "Safety" card.
Turns out it might be the toughest catch yet.
I will follow up tomorrow.
My head is still realing and distantarray has me in stitches.
LOL Glad you enjoyed it
Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
backdating <3 snifffffff want to buy backdate LOL , I wish I would've apped when my credit was great when I was 18
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
Really ?
Wow that is nuts.
I would have been happy with $5,000.
Heck ten months ago I would have danced on my desk if I had gotten a $1,000 credit limit.
What is NFCU a credit Union ?
@Mustangfrank wrote:
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
Really ?
Wow that is nuts.
I would have been happy with $5,000.
Heck ten months ago I would have danced on my desk if I had gotten a $1,000 credit limit.
What is NFCU a credit Union ?
Navy Federal Credit Union. Although you have to have a family member sponser you in if you weren't in the military or have a military roommate.
They're known for the best credit limits in the industry, I got approved for $17,000 when my highest personal card was $1,500 secured card. They also have this thing called NavChek which is wonderful a overdraft line of credit attached to your credit report, they have a 2% card flagship visa which is like the Capital One Venture with less annual fee. and 1.5% cash back card with no annual fee. The Platinum like I have is one of the lowest APR in the industry as well.
NavChek will usually match your credit limit on your credit card and if you have $1,000 in your account and have a NavChek account it's a rainy day cash advance so if you write a check for $15,000 it'll clear and you get charged a low rate APR on the cash advance. Even if you don't use it it reports as a credit card.
@distantarray wrote:
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
backdating <3 snifffffff want to buy backdate LOL , I wish I would've apped when my credit was great when I was 18
I forgot I even had an American Express credit card 29 years ago.
Hell I don't remember a lot of things I did back them but I had a lot of fun.
Everyone on this board told me I would really benefit from the Back Dating and I had no idea because my actual history is only ten (10) months.
I did follow everyone's instructions before the Amex kicked in and my scores really rose quickly.
Most probably, you're approved.
I was declined by chase because of too many inquires.
But I was approved by discover 3 months later.
You just need to wait.
Discover called me the second day I submitted my application.
@distantarray wrote:
@Mustangfrank wrote:
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
Really ?
Wow that is nuts.
I would have been happy with $5,000.
Heck ten months ago I would have danced on my desk if I had gotten a $1,000 credit limit.
What is NFCU a credit Union ?
Navy Federal Credit Union. Although you have to have a family member sponser you in if you weren't in the military or have a military roommate.
They're known for the best credit limits in the industry, I got approved for $17,000 when my highest personal card was $1,500 secured card. They also have this thing called NavChek which is wonderful a overdraft line of credit attached to your credit report, they have a 2% card flagship visa which is like the Capital One Venture with less annual fee. and 1.5% cash back card with no annual fee. The Platinum like I have is one of the lowest APR in the industry as well.
NavChek will usually match your credit limit on your credit card and if you have $1,000 in your account and have a NavChek account it's a rainy day cash advance so if you write a check for $15,000 it'll clear and you get charged a low rate APR on the cash advance. Even if you don't use it it reports as a credit card.
Wow that is impressive.
I have seen the NFCU many times but never fully understood what the benefits were.
Unfortunately I do not know anyone in the service.
@Mustangfrank wrote:
@distantarray wrote:
@Mustangfrank wrote:
@improvingmycredit wrote:Too many people discount the advantage of backdating from Amex. After CSP reports for 4+ months- app the NFCU card. You'll get a good 20K limit but I bet 25K. That's what I ended up with. Super Congrats!
Really ?
Wow that is nuts.
I would have been happy with $5,000.
Heck ten months ago I would have danced on my desk if I had gotten a $1,000 credit limit.
What is NFCU a credit Union ?
Navy Federal Credit Union. Although you have to have a family member sponser you in if you weren't in the military or have a military roommate.
They're known for the best credit limits in the industry, I got approved for $17,000 when my highest personal card was $1,500 secured card. They also have this thing called NavChek which is wonderful a overdraft line of credit attached to your credit report, they have a 2% card flagship visa which is like the Capital One Venture with less annual fee. and 1.5% cash back card with no annual fee. The Platinum like I have is one of the lowest APR in the industry as well.
NavChek will usually match your credit limit on your credit card and if you have $1,000 in your account and have a NavChek account it's a rainy day cash advance so if you write a check for $15,000 it'll clear and you get charged a low rate APR on the cash advance. Even if you don't use it it reports as a credit card.
Wow that is impressive.
I have seen the NFCU many times but never fully understood what the benefits were.
Unfortunately I do not know anyone in the service.
it doesn't end there they also got me 31% discount on my Geico car insurance, and they still offer 0% downpayment mortgages with $2,500 to you on closing =)
You don't live near Tampa do you? If you do I might be able to get you in