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why not get the LOC or Navcheck is't there for the taking I just email navyfed for PC I did a convertion from Nrewards Mastercard to Cash rewards Visa I cant believe it was so easy to product change with navyfed. for extra bonus they even upgraded my cash rewards to siggy
navyfed fans checking in
LOC 10K 4 yr
Nrewrads Visa 20K 4 yr
Cash rewards Visa 8K 4 yr
Flagship Visa siggy 5K 2 moths
Personal Loan 15K 2 months
I will be asking my increase soon on my Flagship and Cash rewars since i just bump off all my inquiries on EQ and TU
right now I have a mortgage refi in progress; so no apping for me! I also want to pick up a business revolver from amex that is personally gauranteed. Due to the baddies on my report which will age off next year and the multiple inquiries (over 15 on each report) I decided that gardening is the best approach for me. By July of next year I will have no inquiries; no baddies; and an AAoA of 6+ years. At that time I will apply for lowes business amex; nfcu rewards business mastercard; and navcheck.
it was highly tempting to apply in October however I decided that my best long term strategy would be to wait. Those products will still be there next year @rootpooty the sig comes with visa sig priveleges such as concierge and the ability to exceed your limit. I just want the sig version for the prestige factor to be perfectly honest.
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
Be very careful with joint accounts... there is nothing there to protect you if she decides to go on a 10k shopping binge. You would be on the hook for all the purchases. A better solution would have been to make her an authorized User. That way she could have easily been removed if things started going south
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
webhopper wrote:
Oh ok... so she is a joint card holder but doesn't have the actual card?
Be very careful with joint accounts... there is nothing there to protect you if she decides to go on a 10k shopping binge. You would be on the hook for all the purchases. A better solution would have been to make her an authorized User. That way she could have easily been removed if things started going south
Oh no never that, she a banker. She buys dumb things like 30 items from the dollar store lol. She doesn't buy the exspensive stuff, lol I do. She will get like 100 things for $300. Ill get like 1 thing for $1500. Im the big spender she just needs to swipe the card even if its for one penny. Everything we have is joint we are committed and would be married but that's another story.
Thanks Guys!!!
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