06-05-2013 07:51 AM
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!!!
06-05-2013 08:27 AM
see you in the Garden.... Time to grow
06-05-2013 10:14 AM
congrats on the approved cards!
06-05-2013 01:28 PM
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.
06-05-2013 01:47 PM
06-05-2013 01:48 PM
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