09-16-2012 05:48 PM - edited 09-17-2012 02:46 PM
****YOUR CREDIT CARD HAS BEEN APPROVED! THANK FOR CHOOSING NAVY FEDERAL, EXPECT YOUR CARD IN 7-10 DAYS.****
Scared to check the CL...I know I know
Thank you everyone for advising me to pull that trigger....
Is PSECU or NFCU inq sensitive...seeking to either do the PSL/Visa with PSECU or either the cash rewards with NFCU? I have a quite a few from lender pulls when I was seeking a second home. I currently have the Bank of America 123 (opened this month) 5K and their Platinum Plus (opened last month) 3K=273 balance, Orchard Bank $320=0 balance, JARED (AU), Sears (AU). I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs and salary is 115K.
I would apply for a CHASE (thats who holds my current mortgage), Citi (paid CA is with Citifinancial from 2008), AMEX (app'd last month for the green card...denied...however that was before my major cleaning on credit report).....but Terrified of denials so I rather walk in with a STRONG possibility or DEFINITE.
FAKO EX 565, EQ 550, TU 602 8/2012
FICO EQ 633 TU 637 (not reporting new credit limit on bofa) 9/2012
FAKO EX 643 (Reporting new credit limit on bofa)
09-16-2012 06:13 PM
09-16-2012 06:13 PM - edited 09-16-2012 06:14 PM
i would say if you are trying to choose between the two and have access to both... Go with NFCU .. they seem to be more lenient than Psecu.
09-16-2012 06:15 PM
09-16-2012 06:34 PM
Given the amt of inquiries I have?
09-16-2012 06:38 PM
09-16-2012 06:57 PM
Did you app for both the same day or....? Do you have PSECU?
09-16-2012 07:26 PM
PSECU pulls EX and NFCU pulls EQ and TU, usually. If you're lucky enough to be a member of both, I would do a CC with NFCU and PSECU's combo visa/loc. Navy will pull separately for each credit product. Plus, their loc is 13.9% if memory serves. PSECU will do both visa/loc combo with one pull from what I read last year. That will help with your util.
I missed the PSECU cutoff by a day last year and they wouldn't let me in. You're lucky to have both!
It doesn't really matter whenyou app since they pull diff CRAs.
09-16-2012 07:46 PM
Bichonmom you Rock along with Web!!!!! Valuable info.....
Thanks to crashem...suggested I join both!!!! Thanks
Do you think my current amt of inquires and 2 paid CA may deny me?
09-16-2012 08:11 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO