02-27-2013 08:40 AM
02-27-2013 08:48 AM - edited 02-27-2013 08:49 AM
As you become a member, you will automatically have to open a shareSavings account which has a minimum shares balance of $5.
That $5 stays there until you no longer want to be a member. From there you can add on other accounts, but it doesn't matter. My husband has 2 shares accounts...
1 is shareSavings $5 balance joint with his ex wife that he can't close on his own because its a joint account.
1 is $5 sharesavings balance joint with me.
He has a platinum mastercard with a 12k limit (this is his only credit card in his name all of his other accounts are AU accounts.)
He also has one new car loan 60 month, 45k at 1.79%.
02-27-2013 10:17 AM
02-27-2013 10:56 AM
how long have you had your bcp?
I've had it since November - works great and I really like accumulating the cash back. I use it mainly for grocery shopping.
02-27-2013 12:11 PM - edited 02-27-2013 12:15 PM
I dont remember... my AAoA was either 5 years or 6 years or may have been 8 years... Not sure.
My utilization, I don't remember
I think you are fine.. NFCU doesn't care about your util% or your inquiries. 6 in the last year isn't really that many.
It will cost you a HP for membership and an HP for credit card. they usually pull TU or EQ.
Amex pulls EX.
I think you should go for both Amex and NFCU. 26% isn't really a lot of utilization.
I'm a believer in doing one app spree and letting all accounts age at same time.
I work during the day so if I bail on your its because things got busy
02-27-2013 12:46 PM
You have a clean report...
At the time of my approval for my first Amex I had a:
Paid judgment for 14k from 2007 reporting on EX
90 day late on a CC from 2006 reporting on EX
1 collection reporting on EX
1 30 day late from 2006 reporting on EX
Now I'm to where I have gotten the judgement removed, the 90 day late is gone