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**bleep** CAP 1?

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Valued Contributor

Re: **bleep** CAP 1?

what i dont understand is why you would bother with cap one when you are a member with nfcu and you can grow greatly with them and not cap one

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor

Re: **bleep** CAP 1?

What the guy above me said....your local cu will treat you a lot better then cap1. Plus when you have an issue you call the credit union not "Gary" from Pakistan
CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $7200........Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 114K in credit and 784 fico and ZERO INQUIRIES......ZERO.
Moderator

Re: **bleep** CAP 1?


rootpooty wrote:

what i dont understand is why you would bother with cap one when you are a member with nfcu and you can grow greatly with them and not cap one


Because there's only 2 tradelines for the OP according to her sig, and 3 is mo' better? Smiley Wink

 

This fact gets too often lost sometimes: there's more to FICO and financial life than CU's, even incredibly good ones like NFCU.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Valued Contributor

Re: **bleep** CAP 1?


Revelate wrote:

rootpooty wrote:

what i dont understand is why you would bother with cap one when you are a member with nfcu and you can grow greatly with them and not cap one


Because there's only 2 tradelines for the OP according to her sig, and 3 is mo' better? Smiley Wink

 

This fact gets too often lost sometimes: there's more to FICO and financial life than CU's, even incredibly good ones like NFCU.

 


i agree however one can obtain many great tradelines without having to go with the frustration of cap one. many people do caue they arent fortunate like you or i or the op to be members of nfcu. i also agree in forms of building/rebuilding that 3 tradelines is best. i believe the op has 3 tradelines already

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Contributor

Re: **bleep** CAP 1?


rootpooty wrote:

Revelate wrote:

rootpooty wrote:

what i dont understand is why you would bother with cap one when you are a member with nfcu and you can grow greatly with them and not cap one


Because there's only 2 tradelines for the OP according to her sig, and 3 is mo' better? Smiley Wink

 

This fact gets too often lost sometimes: there's more to FICO and financial life than CU's, even incredibly good ones like NFCU.

 


i agree however one can obtain many great tradelines without having to go with the frustration of cap one. many people do caue they arent fortunate like you or i or the op to be members of nfcu. i also agree in forms of building/rebuilding that 3 tradelines is best. i believe the op has 3 tradelines already


Yes i do have 3 CC at the moment as was really just looking for one more but your right this is to much hassle ill jsut stick with what i have and when the time comes to upgrade i Def wont be looking at Cap 1..


Mortgage ready by 12-31-2013

EQ- 625 June-2013 TU 636 // May-2013 EX 633 May- 2012
Orchard 300$CL
Navy Fed SEC 500$ CL
Navy Fed Cashrewards 3K CL
NFCU GoRewards 1K


Moderator

Re: **bleep** CAP 1?


Learning_Tee0225 wrote:

rootpooty wrote:

i agree however one can obtain many great tradelines without having to go with the frustration of cap one. many people do caue they arent fortunate like you or i or the op to be members of nfcu. i also agree in forms of building/rebuilding that 3 tradelines is best. i believe the op has 3 tradelines already


Yes i do have 3 CC at the moment as was really just looking for one more but your right this is to much hassle ill jsut stick with what i have and when the time comes to upgrade i Def wont be looking at Cap 1..


Oh the horror, lead astray by an out of date signature line Smiley Wink  Good point then Rooty, my apologies.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge