04-19-2017 09:02 PM
So I got in NFCU. Waiting for a couple payments to post and all of my cards will be clean. No collections or lates, 3400 state tax lien is the only baddy.
300 first premier opened Feb, 2013
400 first premier opened Apr, 2014
500 credit one opened Dec, 2013
750 credit one opened August 2015
1300 capital one quicksilver opened Mar, 2015
2700 capital one quicksilver opened April 2015
I want to apply for a CLOC and card from NFCU but debating if I should dump first premier before I do or after. Hopefully they approve me.
I want to dump credit one too but I want to be wise and make a smooth transiition as possible from sub prime land.
I just got a 500 and 200 bump from capital one after telling them on a luv button recon that I wanted to kill first premier if they would replace the credit and they did.
Myfico has me at fico8 678 from equifax 640 fico8 from transunion and 672 fico8 from experian.
Debating how and when to drop these cards and apply for NFCU card now. Also should I wait until my report updates all these balances to zero from my recent payments?
Any advice on this next step is greatly appreciated!!! Been working hard for a long time climbing out of 400 scores with 20+k bad debt I managed without a BK.
Don't want to do something dumb now!
04-19-2017 09:33 PM
04-20-2017 06:11 PM - edited 04-20-2017 06:12 PM
Should I dump first premier before or after applying for a card through nfcu?
It's your oldest account so assuming that you don't have to pay a crazy annual fee this month i would apply for NFCU first and close First Premier after you are approved.
One of my relatives got approved for a card with NFCU with just 1 credit card on their credit report and open less than 14months
04-20-2017 08:43 PM
Just go for it. The only factors I had going for me when applying for the cashRewards a few weeks ago were UTI ($4 out of $3300) and AAoA, and I was stunned by the approval. Still am. You can close the junk after getting approved, I can't really see how it would help doing it before you pull the trigger. Good luck!
04-21-2017 10:40 AM
Ok so I stepped outside of the garden for the first time in several years.
Approved NFCU ncashrewards for 2,500
waiting on aproval for CLOC
Cap1 Venture 1 rewards 2000
Blue Cash AMEX everyday 1000
Got a 30 day letter on chase Saphire.
So very happy. I am going to cut up my frist premiers and credit ones when my cards arrive!
Also going to roll my 2 quicksilvers into 1.
Back to the garden until I get my mortgage down the line! I called NFCU and asked if they could bump my sli if i closed my sub primes and she told me being a new customer I was lucky I got instant approval so I reckon I'll work on my NFCU relationship a bit before pestering them. Just glad to be where I am!
So happy to be a NFCU member and my first ever AMEX!
04-21-2017 12:52 PM
Closing your subprime cards wouldn't affect an approval unless you need the util space.
I would close first premier because they are awful and you don't need awful cards.
|EX08 659||EQ08 660||TU08 695||Starting: mid 300's||Goal: 700|
04-21-2017 02:27 PM - edited 04-21-2017 02:27 PM
Thanks, everyone. Well closing first premier was fun, she made me listen to a 20 minute script and brought up myfico.com ha.
She says please call back within 90 days if you change your mind. I told her god bless first premier and god bless america!
Credit one is offering me a 200 sli for 20 bucks, glad I'm passed those days! Your next credit one...
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