No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@smallfry wrote:
Penfed and Navy Federal.
Thanks smallfry, but I don't think I qualify for membership to NFCU. Also, my EQ FICO is 690ish, no derrogs, some inquiries, and from what I've read would probably not qualify for Penfed card
Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?
Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.
@creditwherecreditisdue wrote:Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?
Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.
I have 2 new accounts within past year, UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K
@Anonymous wrote:
@creditwherecreditisdue wrote:Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?
Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.
I have 2 new accounts within past year, UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K
Total revolving debt, total revolving credit, inq's in last 6 months, new accounts in last 6 months, total revolving accounts, total revolving account with balances, EQ FICO score?
@creditwherecreditisdue wrote:
@Anonymous wrote:
@creditwherecreditisdue wrote:Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?
Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.
I have 2 new accounts within past year, UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K
Total revolving debt, total revolving credit, inq's in last 6 months, new accounts in last 6 months, total revolving accounts, total revolving account with balances, EQ FICO score?
Total debt - $12K
Total CL - $39K
Inq. 6 mos. - 5 (3 for leases; 2 revolving)
New Accounts 6 mos. - 2 leases; 1 credit card
Total Revolving accts - 5
Eq FICO 691
Crap - I forgot to ask you if that $110K was all your income or if it is HHI. If it is HHI what is your income and would you be app'ing for the card as a joint card or individually.
I assume the new account is Alliant.
@creditwherecreditisdue wrote:Crap - I forgot to ask you if that $110K was all your income or if it is HHI. If it is HHI what is your income and would you be app'ing for the card as a joint card or individually.
I assume the new account is Alliant.
Individual, applying solo
Alliant is 7 months old, new account is US Bank - 2mos.
I would halt app'ing, wait until anything new is more that six months old, pay your balances down a little and then app PenFed and ask for $20K right out of the box. If you do not get $20K you should get a counteroffer or recon for $10K.
I am perfectly serious.