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Established Member
Posts: 58
Registered: ‎10-24-2011
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Re: Help me think im good longish term

so the capital one cards are cancelled i just got done shredding them.  Ill update when i get the other 2 cards

chase sapphire preferred 5k
capital one venture 5k
amex blue cash preferred 2.5k
chase freedom 500
amex premier reward npsl

trans union 705 goal 750
equifax 675 goal 750

Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Help me think im good longish term

[ Edited ]

Good job. Now you can focus on getting prime cards. 

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Valued Contributor
Posts: 1,054
Registered: ‎02-03-2009
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Re: Help me think im good longish term

The Cabela's Visa is a decent card, especially if you shop there. You get 2% cash back there, plus $25 in cash backupon approval. Plus 1% cash back on everything else. No AF, andtithe interest rate is decent (mine is 12%).  They pull a hard on EQ for CLI's.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 789; TU MyFico: 777; EX (My Fico): 764
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Help me think im good longish term

[ Edited ]

emptypockets wrote:

The Cabela's Visa is a decent card, especially if you shop there. You get 2% cash back there, plus $25 in cash backupon approval. Plus 1% cash back on everything else. No AF, andtithe interest rate is decent (mine is 12%).  They pull a hard on EQ for CLI's.


I've considered this as a card for my husband. Do you know what the approval scores needed are?  He's credit challenged at the moment, but rebuilding via NFCU Platinum card with a 4k limit

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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Valued Contributor
Posts: 1,054
Registered: ‎02-03-2009
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Re: Help me think im good longish term

I would have to research the boards some, but can tell you that when I was approved in 2009, my score was around 660ish, with a 7 yo BK still reporting. There have been some mixed reports of them no longer being BK friendly, as of late.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 789; TU MyFico: 777; EX (My Fico): 764
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Help me think im good longish term

Thanks for the info Smiley Happy

 

So far I've got the following options to present him with: Cabelas Visa (the ammo for my gun there is a really good value),  Wal Mart Discover, another NFCU card.


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 Member
Posts: 58
Registered: ‎10-24-2011
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Re: Help me think im good longish term

my equifax was 673 at time of approval, credit limit should determine how good they thought that score was

chase sapphire preferred 5k
capital one venture 5k
amex blue cash preferred 2.5k
chase freedom 500
amex premier reward npsl

trans union 705 goal 750
equifax 675 goal 750

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Help me think im good longish term


nissanaltimacrazyhorse wrote:

my equifax was 673 at time of approval, credit limit should determine how good they thought that score was


Please keep us updated!


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
Established Member
Posts: 58
Registered: ‎10-24-2011
0

Re: Help me think im good longish term

i will probably wont be here till early next week. My cu card might be here this week

chase sapphire preferred 5k
capital one venture 5k
amex blue cash preferred 2.5k
chase freedom 500
amex premier reward npsl

trans union 705 goal 750
equifax 675 goal 750

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Help me think im good longish term


nissanaltimacrazyhorse wrote:

i will probably wont be here till early next week. My cu card might be here this week


All the new plastic will be fun for you Smiley Happy  I'm jealous


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
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