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Contributor
Posts: 252
Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

For nfcu,should i open a checking or saving with them prior to applying for a cc through them?or would it make no difference for approval?
Contributor
Posts: 252
Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

How did your aaoa and utilization look like?
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Posts: 7,225
Registered: ‎09-16-2011
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Re: military man trying to join the amex family.questions,advice,help.

[ Edited ]

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%. 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
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Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

Little update,was looking at my experian credit report from usaa and it still shows my old utilization of 26% 4172 credit used out of my total credit of 15100.and as far as my inquiries,i have 6 within the last 12 months,the other 9 will fall of later this year....if i apply will they get my report with my 26% utilization or will they get an up to date one with 0% utilization?
Frequent Contributor
Posts: 386
Registered: ‎05-23-2012
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Re: military man trying to join the amex family.questions,advice,help.

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.

 

Contributor
Posts: 252
Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

Any thoughts to the last comment i posted?im.a finger click away from submitting it.
Contributor
Posts: 252
Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

Any clue webhopper?
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Posts: 7,225
Registered: ‎09-16-2011
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Re: military man trying to join the amex family.questions,advice,help.

[ Edited ]

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 :smileyhappy:

 

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  :smileywink:

 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
Posts: 252
Registered: ‎01-21-2013
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Re: military man trying to join the amex family.questions,advice,help.

Lol i can not compare my stats to yours,no wonder you got approved for amex.
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Posts: 7,225
Registered: ‎09-16-2011
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Re: military man trying to join the amex family.questions,advice,help.

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


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
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