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Your score will drop a dab from the inquiry's and then when the new accounts hit it might take a small ding becuase it changes your Age of accounts but will rebound quickly. I would do it before the maxed out one reports though so it dont show. I think its cute, we had to almost drag you to the NFCU join button and look at you now!! Wanting more!! I think its great! NFCU is amazing and I am wondering if I should go for the cash rewards card as well or wait it out a bit as well. Hopefully some one can answer us :-)
@CashOnDelivery wrote:
you could try for a CLI for your cash rewards and move a min of $5k to open up a Flagship.
Can you do this without a HP?
@tylerrrr-27 wrote:
@CashOnDelivery wrote:
you could try for a CLI for your cash rewards and move a min of $5k to open up a Flagship.Can you do this without a HP?
CLI would be a toss up, who knows. To transfer $5k to make a flagship there would be no HP
@Sitori wrote:
Can they use the same HP from my app for the cash rewards if I app for the flagship?
I know for sure that they will not use the same app. As you have seen before NFCU is HP crazy!
@Sitori wrote:
I guess what I'm asking is...will it be better for my score to only have the 2 new accounts (cash rewards and care credit) and wait to app for the flagship or would it be better to have all 3 new accounts at once
I guess it would depend on what you want to do six months to a year from now. If you don't have any reason to have a higher score, then it may be good to just go ahead and app now and take the dings to your credit score and garden for a year. I apped like crazy in April, yes I did take a hit to my score, but I'm also gardening now and I'm not planning to buy a house or anything in the next year.