Approved for a 3K mastercard with RBFCU!

ah32 · ‎04-23-2015

I have been building for some time and recently joined RBFCU. I was told my score was 648, so I decided to try to get their 0% intro rate for balance transfers and was approved! 3K! My next highest card is $750. It's exciting and I can finally see the end of this nightmare! They ask for the amount you would like and I asked for 3K. Almost wish I asked for more! Maybe in a few months when my student loans are rehabbed.

I also applied for a car loan and was approved for 7.99%. I chose to go with BMW financial, but was relieved that I was approved. I plan to refi with them once my score is over 720 and I qualify for 1.65%.

datrucking210 · ‎04-23-2015

@ah32 wrote:
I have been building for some time and recently joined RBFCU. I was told my score was 648, so I decided to try to get their 0% intro rate for balance transfers and was approved! 3K! My next highest card is $750. It's exciting and I can finally see the end of this nightmare! They ask for the amount you would like and I asked for 3K. Almost wish I asked for more! Maybe in a few months when my student loans are rehabbed.

I also applied for a car loan and was approved for 7.99%. I chose to go with BMW financial, but was relieved that I was approved. I plan to refi with them once my score is over 720 and I qualify for 1.65%.

Congrats!!!

Can you provide some stats, like AAOA or any baddies

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

joedtx · ‎04-23-2015

Congrats on your approvals, you might want to consider DCU for the refi on your auto they offer 1.49% and minimum CS of 680. Rbfcu is great to deal with but to qualify for the 1.65% might take some time. Good Luck.

gdale6 · ‎04-23-2015

Grats on the auto and card approvals

ah32 · ‎04-23-2015

Transunion is my highest score and RBFCU pulls transunion. I have 6 baddies. Average age is 4 years. 3 of my baddies are my student loans that will be rehabbed soon. My other 3 baddies are paid after collection accounts and will be removed in October unless I can get the bureaus to remove as an early exclusion. My score could possibly jump over 720! I'm hopeful! Plus, my utilization is going to be much better once I transfer some balances. It's all coming together! I plan to pay off my debt in the 9 months I have 0% interest! Now that I bought a car, my next goal is to buy a house in the next year or two.

CreditMagic7 · ‎04-23-2015

Congrats on both the auto and card approvals

ah32 · ‎04-23-2015

Thanks everyone! One other thing,they didn't pull an auto enhanced score for my auto application. From what I can tell, they pulled the fico bank card score 4 which is what I think they used for my credit application.

uswala · ‎04-24-2015

Congrats on the approval!

ah32 · ‎04-24-2015

It's a great day!! I paid off 5 high interest credit cards at 0% with my new card. It was extremely easy! Transferred a cash advance to my new checking and made the payments immediately. They give you the same 0% with no added fees. I triple verified to be sure. It feels awesome and I'll definitely be a customer for life! Who knew this could feel so fantastic?!

I was a little concerned to use the full amount (now I wish I had asked for more!!), but I plan to pay off as quickly as possible. If they see I'm paying off this card, I hope they'll be open to a credit limit increase in the future.

Anonymous · ‎04-24-2015

Congrats on your approval