Credit Cards

[illtakecreditforthat]

I wanted to apply for new credit card and EQ is my best CR.   I have Alliant credit card (great card) but wanted one more CU card  (major banks too unpredictable).  Does anyone know of an exclusive EQ puller by CU?   Thanks

[smallfry]

Penfed and Navy Federal.

[illtakecreditforthat]

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smallfry wrote:
Penfed and Navy Federal.

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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

[creditwherecreditisdue]

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.

[illtakecreditforthat]

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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.

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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

[creditwherecreditisdue]

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illtakecreditforthat wrote:

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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.

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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

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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?

[illtakecreditforthat]

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creditwherecreditisdue wrote:

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illtakecreditforthat wrote:

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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

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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?

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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

[creditwherecreditisdue]

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.

[illtakecreditforthat]

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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.

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Individual, applying solo

Alliant is 7 months old, new account is US Bank - 2mos.

[creditwherecreditisdue]

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.