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Thanks Jetsfan!
Actually I should have said bankruptcy in 2005, not 1995!
NTX
As a followup, I was declined for the Chase Freedom card that I applied online for last Thursday the 2nd. .
The letter said "Your credit report reflects a bankruptcy." Pulled from Experian.
Oh well. I saw that they asked about bankruptcy on the Freedom application. I checked Yes to that, so seems like they could have denied it automatically without an inquiry, if that is a cause of denial.
Seems strange that USAA didn't mind that for a $3K Visa.
My FICO scores on July 17th were:
EQ: 679
TU: 686
As of today, August 7th, they are:
EQ: 684
TU: 688
TU is dinging me because I have no recent use of credit, even though I do put things on there all the time. I pay off my Visa every month. Should I do that, then immediately add $20 or so back to it, so there's always some balance?
I have 6 inquiries that will fall off for FICO purposes by October 19th.. These were all related to buying a new car last year.
Should I apply for a Discover More card now? It's not that I want or even need the card itself. Just thought it may help my credit to have a different brand card from a different issuer.
Goal is to get a mortgage (FHA, under $75K) later this year or early next year.
Thank you,
NTX
@Juan123 wrote:Just decided to get my foot into a nice bank and from everything i've heard USAA, NFCU, And Penfed are the way to go,after getting denied for a CC at penfed, and not qualifying for NFCU i joined USAA without even opening a checking or savings account i applied for the USAA Visa.
Yea i know the APR is high but this is BY FAR my highest limit CC. my highest limit card right now is carecredit at $3000 but my highest limit Visa\MC is only $1500 >_< over 4x my highest limit >_<
Time to consolidate my other cards!
Approved Credit Limit $6,200.00 Current APRs Purchase APR
23.9% (Prime+20.65%)Cash Advance and Balance Transfer APR
23.9% (Prime+20.65%)
Very nice CL.... a little high on the APR, but a nice approval nonetheless... you may be able to get the APR reduced over time.
Nicely done!
For some strange reason I assumed your credit scores would be a lot lower! Lol, you being stunned and all. But yes USAA have been approving higher limits recently.
Congrats!!
Another Update:
Applied for Discover More card onlne. Got an "under review" response, and called their number afterwards to expedite, per their website.
Spoke at length with a very helpful & friendly credit analyst, was approved for $1,200
Not their best offer (the one shown on their site), but still, am "in" with another prime card at least (and I confirmed with the analyst that they all report the same to the credit bureaus, which is really all I wanted)
NTX
@ntx wrote:As a followup, I was declined for the Chase Freedom card that I applied online for last Thursday the 2nd. .
The letter said "Your credit report reflects a bankruptcy." Pulled from Experian.
Oh well. I saw that they asked about bankruptcy on the Freedom application. I checked Yes to that, so seems like they could have denied it automatically without an inquiry, if that is a cause of denial.
Seems strange that USAA didn't mind that for a $3K Visa.
My FICO scores on July 17th were:
EQ: 679
TU: 686
As of today, August 7th, they are:
EQ: 684
TU: 688
TU is dinging me because I have no recent use of credit, even though I do put things on there all the time. I pay off my Visa every month. Should I do that, then immediately add $20 or so back to it, so there's always some balance?
I have 6 inquiries that will fall off for FICO purposes by October 19th.. These were all related to buying a new car last year.
Should I apply for a Discover More card now? It's not that I want or even need the card itself. Just thought it may help my credit to have a different brand card from a different issuer.
Goal is to get a mortgage (FHA, under $75K) later this year or early next year.
Thank you,
NTX
Hehe, already a little pregnant on that one and grats too; however, FICO just cares about number of tradelines... and I don't think underwriters really consider DIscover as either a positive or a negative on a manual review. I suspect for most of the national lenders it's along the lines of "oh, them."
Thanks, and very true Revelate! Something about closing the barn doors after the horses are out
Congrats
Thank you JusdoNit! It's another step at least. I appreciate all the info that is shared here at this forum.