Credit Cards

[700orbust]

Every few days under My Offers, I'll have a banner saying I'm pre-selected for this card...I DO plan on applying, but only after the rest of my payments post this month, and I see if I can get rid of a bogus CO (it will fall off later this year anyway). Navy hard-pulled my TU when I applied (didn't know they did that), My TU score was 662 then. 

Is this a sure approval, and what kind of CL can I expect? I deposited $1,000 into the savings account the day I opened it (about 2 weeks ago)

My TU as of yesterday: 671 

AAoA: 7 years

Oldest account: 10.5 years

60day late: 1 (5.5 years ago)

30day late: 2 (4 years ago)

Util 21%

CO: 1 - shows as a 'recent collection' however TU reports it to be removed 6/2011.

The Util will get better as more statements post (should be around 9%)

On another note, the Amex site is showing the Green and Zync for me now, it showed nothing 2 weeks ago...I want to get a Zync and hopefully a TrueEarnings or Blue Cash this year...

[TATATA]

I personally would wait until collection is removed, however, with that fico score,  you shouldn't have a problem getting approved for the card. You mentioned they pulled TU. I thought they only pulled EQ. They have always pulled EQ for me. 

[700orbust]

I'm in VA and they Hard'ed my TU on the date of my application. 

[TATATA]

Oh okay, I'm in CA.

[laz98]

i'm in west texas.  they pulled EQ for our car loan & TU for our CC.

[JMN]

I received a "pre-selected" invitation in the mail awhile back for the nRewards. I already had a $20,000 NFCU Platinum Visa and an auto loan with them, so I decided to add nRewards on, as well. Instantly approved at $17,500.

However, I had no negatives on my report ever, and a FICO of 740 or so.

They pulled EQ for both credit cards and TU for the auto loan, but nothing was pulled for membership. 

[RHAL]

I got an invitation in the mail and applied back in November. I was declined, but they pulled EQ and that score is pretty low.

[700orbust]

Hmm. Ok. My TU is cleaner, but my EQ has always been the stronger score. Would be nice to get somewhere in the 10-15k range. By mid month, my reporting util should be down below 10%.