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Tower Federal Credit Union approved on SP

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12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP


@CreditCuriousity wrote:

Congrats Njoy!  If this is true a SP CC this CU is about to get the MyFico avalanche hitting it.


I am assuming it's a SP since EX and TU are on ice and no HP on EQ. Didn't see a SP on EQ though.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 11 of 112
12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP


@CreditMagic7 wrote:

@Anonymous wrote:

Only $31,350 to the next milestone!


And coming up soon Smiley Very Happy

Nice find BTW on that one 12njoy.


Smiley Wink  no no no no

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 12 of 112
Creditaddict
Legendary Contributor

Re: Tower Federal Credit Union approved on SP

I was so excited all the way up to the POI Smiley Sad

Message 13 of 112
12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP

Full approval without a HP:

 

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Loan Status Detail
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Loan Status Detail
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Application Information
Application StatusAPPROVEDApplication Number 
Comments 
StipulationsCOPY OF TWO MOST RECENT PAY STUBS
STATEMENT COPIES FOR BALANCE TRANSFERS (INCLUDING FULL ACCOUNT NUMBERS)

SIGNED MASTERCARD APPLICATION

Lender Information
LenderTower Federal Credit Union
AddressP.O. Box 123
CityAnnapolis JunctionStateMD
Zip20701Phone(301) 497-7000
Card Information
Requested Card Approved CardGOLD MASTERCARD
Second Card Holder Credit Limit$10,600.00
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 14 of 112
12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP

As everyone knows, I'm always pushing the envelope with my credit.  Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit).  EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower.  It would appear that there decisions are done by SP for sure.  If anyone applies and get's a SP approval or denial, please report back.  Thank you.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 15 of 112
Anonymous
Not applicable

Re: Tower Federal Credit Union approved on SP


@12njoy wrote:

As everyone knows, I'm always pushing the envelope with my credit.  Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit).  EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower.  It would appear that there decisions are done by SP for sure.  If anyone applies and get's a SP approval or denial, please report back.  Thank you.


Countdown to the stampede. Smiley LOL

Message 16 of 112
12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP


@Anonymous wrote:

@12njoy wrote:

As everyone knows, I'm always pushing the envelope with my credit.  Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit).  EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower.  It would appear that there decisions are done by SP for sure.  If anyone applies and get's a SP approval or denial, please report back.  Thank you.


Countdown to the stampede. Smiley LOL


@I would make sure that all the necessary precautions are in place before applying.  Did I mention I got $10,600 @ 10.9%

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 17 of 112
Anonymous
Not applicable

Re: Tower Federal Credit Union approved on SP

12njoy, you are amazing! Congratulations, you know how to do it! 

 

How do you keep all your cards "straight?" I have a ton and I keep them on a list tracking usage, etc. Do you do that? Please don't answer if you don't want to, but I am really interested. 

Message 18 of 112
baller4life
Super Contributor

Re: Tower Federal Credit Union approved on SP

Congrats 12 for another CU find and approval!! Who's next? 😁
Message 19 of 112
12njoy
Super Contributor

Re: Tower Federal Credit Union approved on SP


@Anonymous wrote:

12njoy, you are amazing! Congratulations, you know how to do it! 

 

How do you keep all your cards "straight?" I have a ton and I keep them on a list tracking usage, etc. Do you do that? Please don't answer if you don't want to, but I am really interested. 


I have a spreadsheet to keep track of close dates,  due dates, payments and limits.  That's the only way I can manage them

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 20 of 112
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