So I finally tired of paying a ridiculous interest rate on my car loan I decided to bite the bullet and re-fi my car. I called DCU and they offered a much lower interest rate. Nice!!! So since they pulled my report I asked about the Visa. SCORE!!! I decided to call my local CU that I also belong to. DCU wasn't going to finance me for the entire amount of my loan, but my local CU was! And they approved me for a Visa also!! So I decided since I was at it to go ahead and see what else I could get approved for
Local CU- $1000
Tried reconning all of the above but no go. Chase almost said yes, try again in 6 months with a little bit longer history of on time payments.
Well it's a start!!! I cancelled my FP cards as their AF was about to hit which just left me with Cap 1 and Victoria's secret.
So off to the garden I go to nuture my new CC's and hopefully some good growth!!! Thanks everyone for all the great info in the board. Couldn't have done it without you!!!
see you in the Garden.... Time to grow
congrats on the approved cards!
I applied for DCU first. Then Discover, Chase, Amex, Barclays, walmart, and Chevron was last. The others I tried after Wal mart but before Chevron. I went for the cards I wanted most. My AAoA differs from each credit report. My oldest 2 tradelines are from 1993 that report only to Experian and TransUnion. They both don't report to Equifax for some reason. So it averages between 3-4 yrs. 2 inq's on each when I started.