@Gmood1 wrote:If you really want to open the door on 5 digit limits. Go to NASA FCU and app for the rewards card. You can also join while you're at it. Chances are it will be a soft pull. You'll get a tradeline without adding to your inqs.
NASA takes awhile.
All 3 scores 700-720. 6 INQ last 2 years. 1 from exp bank, 4 related to my house purchase, 1 from purchasing a car. 1 inq this year.
(Broke down)
EX: 6 inq last 2 years. 4 were from house purchase. 1 inq for DCU card last december.
EQ: 1 inq last year
TU: 0 Inq last year
Cap 1 qs: 9500
Overstock: 7500
DCU CC: 5000
BOA: 3000
USAA: 2000
Credit 1: 1800
300K house, 100K in cars installment loans. Good mix.
AAOA 39 months
Oldest 11 years.
So if i apply for the CSP,and they pull, and it declines, do i just immediately app for freedom and just know/hope its the same HP? Should I call for this, or just do it online?
Thanks again for the help!
@Imperfectfuture wrote:
@Gmood1 wrote:If you really want to open the door on 5 digit limits. Go to NASA FCU and app for the rewards card. You can also join while you're at it. Chances are it will be a soft pull. You'll get a tradeline without adding to your inqs.
NASA takes awhile.
Not for everyone. Some are instantly approved membership. I wasn't but have a coworker that was. As stated you do not have to be a member to have their card.
ha, i had thought about that, but I do have DCU which I love.
I am thinking possibly about trying for CSP at this point, and just doing a CLI request on my USAA. They really owe me some love! I'm stuck at 2000 on that card because I refuse to do an HP for a CLI until the last possible second.
Well I really didn't mean to get into two separate threads. I apologize. Should I close one?
@mccallb wrote:ha, i had thought about that, but I do have DCU which I love.
I am thinking possibly about trying for CSP at this point, and just doing a CLI request on my USAA. They really owe me some love! I'm stuck at 2000 on that card because I refuse to do an HP for a CLI until the last possible second.
LOL...I'm waiting on my 6 months with USAA as well. WHich is either today or tomorrow. You can join as many credit unions as you like. Don't be held to just one
I'm a member of 5 CU's and three other financial institutions USAA/AllyBank/Fidelity. I've been online researching my next financial institution to join the last couple of days.
Never put your eggs in one basket..have choices..
@Anonymous wrote:
@Imperfectfuture wrote:
@Anonymous wrote:You can't change the product the app was for, but YOU CAN app for the Freedom and CSP on the same day and the HPs will combine. Then, whatever you get you get, and you may even end up with both.
As pointed out by some community leaders, this is a YMMV situation. We do not know the profile. Also, if PC Freedom to CSP, lose bonus.
I can only talk about my personal experience. In my personal experience, every time I have apped for multiple Chase cards on the same day they have combined. In my personal experience, any time that I have asked for a CLI the same day as the app, the HPs have combined. In my personal experience, Chase app HPs will combine on the same day.
Depends n where you live. All HP cli requests (citi, chase) go on TU, while the double pulls go on ex EQ. So they do not combine (they want to pull a cap one triple pull 
).