Credit Card Center Advertiser Disclosure†
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 06:15 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
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.