I just read another post of some one getting a Apr reduction so i just called them up i have been a member for 2 years they list my EQ fico 09 as 799 that may played a part in it previous Apr was 14.90% they just hit me with the lowest Apr offered on the cash rewards card 10.40%
Congrats!
Thats a sweet drop, cant wait to have a year with Navy to drop my Apr like the month of May
Hey captain they are not Inquiry sensitive u might as well pull the trigger and be enjoying your card!
I wouldnt put all my money on the fact to use fico9 to approve. They probably still use other factors and their own internal system . I agree though hps shouldnt scare them off. The good thing with Navy even if you start off low in 3 months you could be climbing ESB like King Kong
@AverageJoesCredit wrote:
I wouldnt put all my money on the fact to use fico9 to approve. They probably still use other factors and their own internal system . I agree though hps shouldnt scare them off. The good thing with Navy even if you start off low in 3 months you could be climbing ESB like King Kong
Youre correct about that from what I've read, but I want to avoid having to furnish proof of income, and Ive read they never ask on CC applications...so I'm thinking I might just have to keep my starting limit if I want to be safe and avoid that...which is why Im thinking it may be good for me to wait another 6 or so months.
Also, for me personally, there's the issue that Ive just picked up 2 new accounts and want to avoid more before I shoot for the 3 banks I IIBed, 6 months from now....even though having a nice NFCU limit could help with their limits....it's a bit of a conundrum. I appreciate the warning about not putting too much stock in them using the fico 09.