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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Got lost & couldn't find my way to the garden so...

Thank you for sharing this approval.  Hubby is looking to add another credit card in June,  His current credit card has a limit of 12k, which is his only card, with NFCU.

 

I'm thinking he should do an app spree and maybe pick up NFCU Flagship and maybe a PenFed card?

 

His scores aren't that bad, but he did have a CO with Citi in 2010  which was paid in 2012.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: Got lost & couldn't find my way to the garden so...


webhopper wrote:

Thank you for sharing this approval.  Hubby is looking to add another credit card in June,  His current credit card has a limit of 12k, which is his only card, with NFCU.

 

I'm thinking he should do an app spree and maybe pick up NFCU Flagship and maybe a PenFed card?

 

His scores aren't that bad, but he did have a CO with Citi in 2010  which was paid in 2012.


SP CLI with NFCU seem to be all the rage these days. perhaps he should try for those first before applying for new cards.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Got lost & couldn't find my way to the garden so...

Wow! I had to re- read the OP! $20k with inq's!? AWESOME!
Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Got lost & couldn't find my way to the garden so...

I'll take a picture when it comes in the mail. I may frame the letter that comes with it as this is my first 20k limit card.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: Got lost & couldn't find my way to the garden so...

hey first charge on the card should be a 100$ bottle chmpagne.lolSmiley Very Happy

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Got lost & couldn't find my way to the garden so...


NJTurnpike wrote:

webhopper wrote:

Thank you for sharing this approval.  Hubby is looking to add another credit card in June,  His current credit card has a limit of 12k, which is his only card, with NFCU.

 

I'm thinking he should do an app spree and maybe pick up NFCU Flagship and maybe a PenFed card?

 

His scores aren't that bad, but he did have a CO with Citi in 2010  which was paid in 2012.


SP CLI with NFCU seem to be all the rage these days. perhaps he should try for those first before applying for new cards.


He did that in January...

 

I personally think he needs more than one individual credit card account....  Maybe one is enough... who knows. 

 

I think both spouses should have a minimum of 2 credit cards, and some positive installment history on their credit reports... so that they have their own history and accounts established if something were to happen to me.

 

He does have AU accounts, and ACM accounts, co-applicant on NFCU New Car Loan.   Basically piggybacking to get re-established after some rough times.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Got lost & couldn't find my way to the garden so...

@webhopper

I swear you and I must be sisters from another mother. Lol. Doing the same thing with my DH.
Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Got lost & couldn't find my way to the garden so...

Deifnitely needs more than one card. Push for cards that match yours and his spending habits though. like PenFed Platinum Rewards for gas 5pts, BCP 6% groceries, PenFed Travel Amex 5pts on travel, etc.

 

Given that he has AU, ACM and one of his own cards, builder cards are probably not needed. Go for the rewards cards tha fit your lifestyle. good luck.

 

Too bad you could get a PFD from CITI. I would consider GW'ing them every week if possible until they remove the CO.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Got lost & couldn't find my way to the garden so...

[ Edited ]

Congrats on your new cards

 

However

 

 

You have the right to remain silent!

You have the right to an attorney!

If you can not afford an attorney a garden attorney will be appointed for you! 

 

Until your court date you are under garden arrest and a ankle bracelet will be supplied...Lol

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Got lost & couldn't find my way to the garden so...


myjourney wrote:

Congrats on your new cards

 

However

 

 

You have the right to remain silent!

You have the right to an attorney!

If you can not afford an attorney a garden attorney will be appointed for you! 

 

Until your court date you are under garden arrest and a ankle bracelet will be supplied...Lol

 


Lol! I saw the police car and I instantly thought "oh my god! its an AMEX FR!"


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14

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