Credit Cards

[christopherb222]

NFCU is amazing. Became a member today. Immediately applied for visa flagship signature. Instant approval $10,000. Then 5 minutes later refinanced car @3.3%. Fico scores of 662 and 672. Utilization at 86%. Didn't think I would be approved for either. Already faxed in pay stubs and check is being over nighties to me to pay off car Tuesday!!!

amazing service. Very fast. $10k is my highest limit. Have Barclays Lufthansa at $7500 and chase sapphire at $5000 both maxed out. 

If you can join do it!!!!! 

Chris

[astritaho1979]

congrats nice start

[creditnocash]

congrats on everything! 

hopefully the 10k card will be for emergencies! 

as soon as you get your util down (with the money you saved on the auto refi) your scores will shoot up! 

good luck. 

[christopherb222]

Thanks. Yes when my utilization is around 10% my scores are around 730. I went A little crazy for the holidays. 

[chnceit]

That's awesome congrats!

[Epcot]

That's great, Congrats!

[NewbieReed]

Wooohoo!! Great job  and congrats at the approvals. 

Did they use the one HP for all of that or did they do separate ones? did u do it over the phone, online or in person?

[christopherb222]

I became a member on the phone. both approvals instant online. Don't know about how many pulls yet. 

[Creditaddict]

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NewbieReed wrote:

Wooohoo!! Great job  and congrats at the approvals. 

Did they use the one HP for all of that or did they do separate ones? did u do it over the phone, online or in person?

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Navy HP for EVERYTHING.... Credit Cards, Auto, Line of Credits, etc. etc.... they are done in different departments and different underwriters... it's strange but they say they don't talk to each other.

and Navy has the 0% right now, I would pay off the Barclay and Chase to the 0%. either apply for a 2nd Navy Card or ask them to up the limit on the new $10k to BT both cards in full.. bet they will do it!!!

[christopherb222]

Buddy. I like where your head is at. That's a good idea. Will it be another hp to raise limit??? I really don't care as I have way more credit than I need. My 3 Amex cards my discover and my two department store cards (Macy's and Nordstrom ) are all at zero balance so I could care less if they hp me 33 times. 

Thanks for the great idea 

chris