Valued Contributor
rootpooty
Posts: 1,745
Registered: ‎10-28-2011
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 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
negg
Posts: 199
Registered: ‎05-21-2011
Re: **bleep** CAP 1?
[ Edited ]
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
Delta Amex $7500.........Marriott Rewards Premier $6500.......Discover IT $3800......Citi Preferred $2500...........Chase Freedom $3800......Barclay(apple) $2000.......BofA $1500.......
Capital One $4000.....FNO.....$3700
Moderator
Revelate
Posts: 8,951
Registered: ‎12-30-2011
Re: **bleep** CAP 1?
[ Edited ]

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? :smileywink:

 

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
rootpooty
Posts: 1,745
Registered: ‎10-28-2011
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? :smileywink:

 

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 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Contributor
Learning_Tee0225
Posts: 87
Registered: ‎04-08-2012
Re: **bleep** CAP 1?
[ Edited ]

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? :smileywink:

 

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
Revelate
Posts: 8,951
Registered: ‎12-30-2011
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 :smileywink:  Good point then Rooty, my apologies.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge