Credit Cards

[MsLadyRover]

Very Very NICE!! Congratulations!!

[Dustink]

Go from a CLD from one lender to a $17k approval from NFCU...haha wow

[Kartel34]

Great job 

[Creditaddict]

1/23/13 - Got power report

5 credit cards, $2,000/$11,000 cc utilization = 18%, 3-year-old $103k mortgage, $32k in school loans, $8,000 personal loan, $12,000 auto loan

Congrats on the Navy Approval... it's 0% for the year! Why don't you transfer the personal loan and refinance the car loan because some how I bet you pay more than what Navy would cost you and/or approve you for!

[_jb_]

Congrats on this. That is a huge score jump too.

[Mellon]

Congrats!!!

[HindSight_20_20]

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Creditaddict wrote:

1/23/13 - Got power report

5 credit cards, $2,000/$11,000 cc utilization = 18%, 3-year-old $103k mortgage, $32k in school loans, $8,000 personal loan, $12,000 auto loan

Congrats on the Navy Approval... it's 0% for the year! Why don't you transfer the personal loan and refinance the car loan because some how I bet you pay more than what Navy would cost you and/or approve you for!

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+1 BAM! I'd be transferring so quick it would make your head spin!!!

[onitapgr]

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HindSight_20_20 wrote:

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Creditaddict wrote:

1/23/13 - Got power report

5 credit cards, $2,000/$11,000 cc utilization = 18%, 3-year-old $103k mortgage, $32k in school loans, $8,000 personal loan, $12,000 auto loan

Congrats on the Navy Approval... it's 0% for the year! Why don't you transfer the personal loan and refinance the car loan because some how I bet you pay more than what Navy would cost you and/or approve you for!

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+1 BAM! I'd be transferring so quick it would make your head spin!!!

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The rep said the rate was ~9%, he didn't mention anything about 0% for a year...Is this an automatic thing?

Both the personal loan and the auto loan is at 4.99%, so I don't think a transfer would be the right move....unless I transfer the auto loan, then I can get ownership of the title so I can cut my coverage on my car insurance.  That might save me about $50/month.  I plan on having my car paid off in 1 1/2 years.

[j_casteel]

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onitapgr wrote:

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HindSight_20_20 wrote:

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Creditaddict wrote:

1/23/13 - Got power report

5 credit cards, $2,000/$11,000 cc utilization = 18%, 3-year-old $103k mortgage, $32k in school loans, $8,000 personal loan, $12,000 auto loan

Congrats on the Navy Approval... it's 0% for the year! Why don't you transfer the personal loan and refinance the car loan because some how I bet you pay more than what Navy would cost you and/or approve you for!

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+1 BAM! I'd be transferring so quick it would make your head spin!!!

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The rep said the rate was ~9%, he didn't mention anything about 0% for a year...Is this an automatic thing?

Both the personal loan and the auto loan is at 4.99%, so I don't think a transfer would be the right move....unless I transfer the auto loan, then I can get ownership of the title so I can cut my coverage on my car insurance.  That might save me about $50/month.  I plan on having my car paid off in 1 1/2 years.

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There's a promo going on right now through the end of Feb. 0% on BT's.

[onitapgr]

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j_casteel wrote:

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There's a promo going on right now through the end of Feb. 0% on BT's.

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Do you have a link to that?  Can't find anything.....Is that 0% on the transfer fee only or does it also apply to the APR of the transferred balance?

Is a transfer from a personal installment loan to a credit card considered a balance transfer?  I checked with my bank (First Niagara) and it is actually classified as an "Equipment Loan".  Not sure if that makes a difference.  The reason it's classified as an Equipment Loan is it was part of a special offer they were running for people in the area of Hurricane Sandy. 

Thanks!