03-06-2010 09:05 AM
Lynette is correct, I want to apply for a personal loan for home improvements and to pay off installment loan I already have. I want the CC to build credit. I don't have a major bank card except for Orchard and they haven't even reported it yet to CRB.
05-04-2011 09:13 AM
txjohn -- which card do you suggest w/ NFCU for a very high starting CL? I've been a member of theirs for a few years now, but don't "actively" use them (I keep a few $$$ in savings with them), and I'm thinking of applying for one of their CCs now -- my scores are good, no baddies. Any thoughts?
05-04-2011 10:41 AM
This is sort of an older thread, and it appears that txjohn has moved on. I'm hoping that others will reply.
I got the cashrewards card, and they gave me $25K without blinking.
I'm underwhelmed by their rewards overall, but I consider their high CL's and especially the current 0%, $0 fee BT their rewards. hth
05-04-2011 12:47 PM
Thanks, HTSU! I was running searches on the topic and FAILED to notice the date! But your feedback helps -- was uncertain which card to shoot for. I notice, too, that many apply for NavCheck LOC, etc. at the same time -- not sure if I really need all that.
Another quandary -- I had an AmEx back in the early 90's and they've been attempting to recruit me once again. Should I apply for AmEx first, then NFCU -- or does it really matter? I've heard that AmEx will often base the CL on other CL's, etc.
Haven't applied for anything in a VERY long time as I was waiting for the pristine CR to reappear. So now I'm forming a game plan!
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