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238 got me a cash rewards card with 1700 limit early this month; denied CLOC
Mine scored out somewhere below 260 (Honestly I can't remember), but I got the CashRewards for $2000 and dind't have enough common sense to apply for a CLOC when I applied. I'll do that on day 93 or so when I go for a CLI. Date point scores are in my signature.
I was approved 1700 for cashR with an internal score of 243
The adverse factors they listed were:
average CL in last 12 months
balance decreases in last 3 months
% util
number of inquiries
I like that they include all this information on here.
@Anonymous wrote:I was approved 1700 for cashR with an internal score of 243
The adverse factors they listed were:
average CL in last 12 months
balance decreases in last 3 months
% util
number of inquiries
I like that they include all this information on here.
Mine was 301. I was feeling real bad about that, until I started reading this thread.
My adverse factors were:
-number of inquiries
-limited credit experience
-number of balance decreases on non-mortgage accounts in last 3 months
-no real estate accounts reported
They pulled TransUnion
My TransUnion FICO scores at the time ranged from 706 to 781.
I got the Flagship Visa with a relatively low CL of 5k and relatively high interest rate of 16.24%
@Anonymous wrote:Yes CC I did, fortunately. 10.40 is the lowest apr and is what I received.
I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%
@Anonymous wrote:
@Anonymous wrote:Yes CC I did, fortunately. 10.40 is the lowest apr and is what I received.
I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%
With the recent Fed rate increase I believe the lowest rate for the Cash Rewards is now 10.40%.
https://www.navyfederal.org/products-services/cards/creditcards/creditcard-rates.php
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:Yes CC I did, fortunately. 10.40 is the lowest apr and is what I received.
I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%
With the recent Fed rate increase I believe the lowest rate for the Cash Rewards is now 10.40%.
https://www.navyfederal.org/products-services/cards/creditcards/creditcard-rates.php
Makes sense. I was looking through my papers trying to find my internal score at NFCU. Can't find it. At one time my FAKO Vantage 3.0 scores were 100 points below my FICOs. Today, all of my scores are above 780 and within a 7 point deviation no matter which card or site I check.
Keep the utilization at 1-2% and your scores will go up up and up.
Mine was 243 out of 450 when I applied for my goRewards and car loan. I only got the letter when I was approved. I was denied in the past and they sent a different letter with the regular credit scores on it.