topic Re: I'm finally in with NFCU!!! in Credit Card Approvals

I'm finally in with NFCU!!!

ulyssesmama — Wed, 17 May 2017 14:13:12 GMT

I'm so excited I could scream! So I have been losing my mind lately. I have not been sticking to the garden thing, I have been apping all over the place. I was doing good then it all got a couple new store cards (belk and toysrus) and walmart upped my limit twice in 2 months (I hate that you have to tell them what limit you want, I don't know if I should have asked for more or not). So I was going to try NFCU secured card but I read that some of you guys say that it's more about the utilization than the score so I figured I would do one more app for an unsecured card since my utilization had gone down to 27% and I was gonna burn a hp anyway. So I got the "we wlii let you know" kind of message, which i basically saw as a denial. But I didn't hear anything for over a week, but then I logged into my account and I saw on the bottom of the page a platinum credit card listed! I clicked on it and it shows a new account for $1000! I know thats small compared to you guys but I am soooo psyched!! I am finally in! I am going to be so very careful with this relationship! I am also truly going to garden now. l am going to confess my sins (mainly so I can keep track of what I have already done so I wont repeat them later when I come out of the garden). My next try is for Penfed, they told me in Feburary to try back in 3 months after I paid off all my store cards, which wasn't hard because I only had small balances on them. I thought that was a way to show I was using them responsibly (I had read that online somewhere, it doesnt work).

I apped for: best buy (waiting on my denial letter, I wanted a new computer, ended up getting it financed through paypal), amex (I had prequalified, I got excited because they asked me for more info but then denied me), singing river credit union (got really excited because the lady said she thought my chances were great and even told me what balance I was "qualified" for but then said the underwriter was concerned with all the new accounts opened in the last year) a second discover card (flat denied over the phone) (bummer).

credit one sent me a secured message saying I could get a $250 credit limit increase for a $15 fee! I was shocked! I had never heard of paying for a CLI! I didn't repond to that. But later they sent me another message offering me a second card with a $800 limit with a $60 annual fee, I shouldn't have but I accepted. Soo... these are all my sins.

my inquiries are insane so I don't think I can get anything good for a long time. TU 25 (I know, I know ) Eq 19, EX 14. Scores TU 667, EQ 645, EX 652

Thanks for listening guys.

Capital one QS $3000, Discover $2500, Barclay $1300, Credit one $500, Sony $500, Indigo $300, buypowercard $300, Applied bank secured $300, Walmart $500, Kohl's $500, HSN $1000 (shopping cart trick), Victoria secret (SCT) $300, Overstock.com $250 (SCT), Paypal credit $900
I think these are good considering I had filled chapter 13 in Nov 2011.
FICO March 28 2017 TU 659, EQ 641, EX 645
New CLs walmart $1000, HSN $1200, buypowercard $500, VS $450, Overstock $450, Mobile infirmary credit union $500, Belk $400, old navy (soft pull) $300, BOA (secured) $500, credit builder loan (alabama credit union) $500

Re: I'm finally in with NFCU!!!

Anonymous — Wed, 17 May 2017 14:19:21 GMT

@ulyssesmama wrote:
I'm so excited I could scream! So I have been losing my mind lately. I have not been sticking to the garden thing, I have been apping all over the place. I was doing good then it all got a couple new store cards (belk and toysrus) and walmart upped my limit twice in 2 months (I hate that you have to tell them what limit you want, I don't know if I should have asked for more or not). So I was going to try NFCU secured card but I read that some of you guys say that it's more about the utilization than the score so I figured I would do one more app for an unsecured card since my utilization had gone down to 27% and I was gonna burn a hp anyway. So I got the "we wlii let you know" kind of message, which i basically saw as a denial. But I didn't hear anything for over a week, but then I logged into my account and I saw on the bottom of the page a platinum credit card listed! I clicked on it and it shows a new account for $1000! I know thats small compared to you guys but I am soooo psyched!! I am finally in! I am going to be so very careful with this relationship! I am also truly going to garden now. l am going to confess my sins (mainly so I can keep track of what I have already done so I wont repeat them later when I come out of the garden). My next try is for Penfed, they told me in Feburary to try back in 3 months after I paid off all my store cards, which wasn't hard because I only had small balances on them. I thought that was a way to show I was using them responsibly (I had read that online somewhere, it doesnt work).
I apped for: best buy (waiting on my denial letter, I wanted a new computer, ended up getting it financed through paypal), amex (I had prequalified, I got excited because they asked me for more info but then denied me), singing river credit union (got really excited because the lady said she thought my chances were great and even told me what balance I was "qualified" for but then said the underwriter was concerned with all the new accounts opened in the last year) a second discover card (flat denied over the phone) (bummer).
credit one sent me a secured message saying I could get a $250 credit limit increase for a $15 fee! I was shocked! I had never heard of paying for a CLI! I didn't repond to that. But later they sent me another message offering me a second card with a $800 limit with a $60 annual fee, I shouldn't have but I accepted. Soo... these are all my sins.
my inquiries are insane so I don't think I can get anything good for a long time. TU 25 (I know, I know ) Eq 19, EX 14. Scores TU 667, EQ 645, EX 652
Thanks for listening guys.
Capital one QS $3000, Discover $2500, Barclay $1300, Credit one $500, Sony $500, Indigo $300, buypowercard $300, Applied bank secured $300, Walmart $500, Kohl's $500, HSN $1000 (shopping cart trick), Victoria secret (SCT) $300, Overstock.com $250 (SCT), Paypal credit $900
I think these are good considering I had filled chapter 13 in Nov 2011.
FICO March 28 2017 TU 659, EQ 641, EX 645
New CLs walmart $1000, HSN $1200, buypowercard $500, VS $450, Overstock $450, Mobile infirmary credit union $500, Belk $400, old navy (soft pull) $300, BOA (secured) $500, credit builder loan (alabama credit union) $500

Ok soooo.....I think you know what you need to do now.....right..?

Re: I'm finally in with NFCU!!!

Anonymous — Wed, 17 May 2017 15:42:26 GMT

Close credit one

Re: I'm finally in with NFCU!!!

ulyssesmama — Wed, 17 May 2017 15:42:42 GMT

Yep..I know. Kill my addiction to apping and pay off.

Re: I'm finally in with NFCU!!!

Anonymous — Wed, 17 May 2017 15:45:17 GMT

I used to have 2 credit ones before I knew better cuz I was addicted to cards. They actually do have a card with a grace period (NASCAR) and no annual fee if ur credit is good. But in general they suck lol

Re: I'm finally in with NFCU!!!

AverageJoesCredit — Wed, 17 May 2017 17:28:58 GMT

Lol, the biggest sin that stood out to me was actually accepting a second card from credit one!. You live you learn, but that was a no no lol. Congrats on getting in with Navy and scoriing a grand limit. All i got was one of those famous " I have to work my way through the trenches ,$500, one land mine at a time" Tshirt. Once again the infamous Navy communication department at their finest

Treat them well, it should grow. Garden Club just opened a new area, called Newbies R Us, you're cordially invited

Re: I'm finally in with NFCU!!!

Anonymous — Wed, 17 May 2017 17:31:59 GMT

@AverageJoesCredit wrote:
Lol, the biggest sin that stood out to me was actually accepting a second card from credit one!. You live you learn, but that was a no no lol. Congrats on getting in with Navy and scoriing a grand limit. All i got was one of those famous " I have to work my way through the trenches ,$500, one land mine at a time" Tshirt. Once again the infamous Navy communication department at their finest

Treat them well, it should grow. Garden Club just opened a new area, called Newbies R Us, you're cordially invited

Agreed!

And yes, treat NFCU well and they will return the favor! Off to the garden with you now!!!!

Re: I'm finally in with NFCU!!!

CreditInspired — Wed, 17 May 2017 18:21:18 GMT

Please do not open any more store cards or SCTs. And for heaven's sake, don't even activate that second Credit One. If you have, close it! Always remember this. You never, ever want to look desperate to a lender by continuously seeking new credit.

Re: I'm finally in with NFCU!!!

ulyssesmama — Wed, 17 May 2017 18:37:39 GMT

Garden Club just opened a new area, called Newbies R Us, you're cordially invited
😆
You're right! I'm a member now for real!! I think I can truly say that now because I'm satisfied. On the credit one thing, half my brain was screaming not to accept but I justified it by thinking another $800 limit might help. But really deep down, I think I have not been able to get ANYTHING for 5 years so now I got addicted to being "accepted". But I'm over it now...truly. Thanks guys for all the comments!! It really does help!☺️

Re: I'm finally in with NFCU!!!

Anonymous — Wed, 17 May 2017 19:43:26 GMT

@Anonymous wrote:
@ulyssesmama wrote:
I'm so excited I could scream! So I have been losing my mind lately. I have not been sticking to the garden thing, I have been apping all over the place. I was doing good then it all got a couple new store cards (belk and toysrus) and walmart upped my limit twice in 2 months (I hate that you have to tell them what limit you want, I don't know if I should have asked for more or not). So I was going to try NFCU secured card but I read that some of you guys say that it's more about the utilization than the score so I figured I would do one more app for an unsecured card since my utilization had gone down to 27% and I was gonna burn a hp anyway. So I got the "we wlii let you know" kind of message, which i basically saw as a denial. But I didn't hear anything for over a week, but then I logged into my account and I saw on the bottom of the page a platinum credit card listed! I clicked on it and it shows a new account for $1000! I know thats small compared to you guys but I am soooo psyched!! I am finally in! I am going to be so very careful with this relationship! I am also truly going to garden now. l am going to confess my sins (mainly so I can keep track of what I have already done so I wont repeat them later when I come out of the garden). My next try is for Penfed, they told me in Feburary to try back in 3 months after I paid off all my store cards, which wasn't hard because I only had small balances on them. I thought that was a way to show I was using them responsibly (I had read that online somewhere, it doesnt work).
I apped for: best buy (waiting on my denial letter, I wanted a new computer, ended up getting it financed through paypal), amex (I had prequalified, I got excited because they asked me for more info but then denied me), singing river credit union (got really excited because the lady said she thought my chances were great and even told me what balance I was "qualified" for but then said the underwriter was concerned with all the new accounts opened in the last year) a second discover card (flat denied over the phone) (bummer).
credit one sent me a secured message saying I could get a $250 credit limit increase for a $15 fee! I was shocked! I had never heard of paying for a CLI! I didn't repond to that. But later they sent me another message offering me a second card with a $800 limit with a $60 annual fee, I shouldn't have but I accepted. Soo... these are all my sins.
my inquiries are insane so I don't think I can get anything good for a long time. TU 25 (I know, I know ) Eq 19, EX 14. Scores TU 667, EQ 645, EX 652
Thanks for listening guys.
Capital one QS $3000, Discover $2500, Barclay $1300, Credit one $500, Sony $500, Indigo $300, buypowercard $300, Applied bank secured $300, Walmart $500, Kohl's $500, HSN $1000 (shopping cart trick), Victoria secret (SCT) $300, Overstock.com $250 (SCT), Paypal credit $900
I think these are good considering I had filled chapter 13 in Nov 2011.
FICO March 28 2017 TU 659, EQ 641, EX 645
New CLs walmart $1000, HSN $1200, buypowercard $500, VS $450, Overstock $450, Mobile infirmary credit union $500, Belk $400, old navy (soft pull) $300, BOA (secured) $500, credit builder loan (alabama credit union) $500
Ok soooo.....I think you know what you need to do now.....right..?

Congratulations....I forgot to say that earlier...my bad...

Re: I'm finally in with NFCU!!!

AverageJoesCredit — Wed, 17 May 2017 21:01:38 GMT

It happens, lol.

Now that you're settled. Sit down, have some " joe" , lol, or tea if you are more swayed by Sir Barclays, and write all your accounts down. Look at your cards, limits, aprs everything. Make notes on what youd like to keep to grow with you and whats not important. So as these age and you start growing, you can get rid of any dead weight, uh hmm Credit 2 . If you yreat that Navy card right it can grow winderfully and can help eliminate lots of lower cl cards that arent needed.

Though my income may prevent me, im gonna try and raise up my little bomblet to fully operational so i can let go some cards. Having your goals written out and looking at every once in awhile helps alot. Now hurry on now i hear they are preparing a great bbq by the pool

Re: I'm finally in with NFCU!!!

Anonymous — Thu, 18 May 2017 00:14:35 GMT

Congrats! NFCU is awesome!

Re: I'm finally in with NFCU!!!

JustBPatient — Thu, 18 May 2017 15:38:13 GMT

Well done!!

Re: I'm finally in with NFCU!!!

Brickbybrick — Thu, 18 May 2017 15:50:29 GMT

Congrats! I would love to go with NFCU as well, but all back doors are closed, snap!

Re: I'm finally in with NFCU!!!

Anonymous — Fri, 19 May 2017 22:16:27 GMT

@ulyssesmama wrote:
Garden Club just opened a new area, called Newbies R Us, you're cordially invited
😆
You're right! I'm a member now for real!! I think I can truly say that now because I'm satisfied. On the credit one thing, half my brain was screaming not to accept but I justified it by thinking another $800 limit might help. But really deep down, I think I have not been able to get ANYTHING for 5 years so now I got addicted to being "accepted". But I'm over it now...truly. Thanks guys for all the comments!! It really does help!☺️

Hi ulyssesmama super congrats on your Navy Fed approval & super congrats on recognizing that you need to join the garden! 😊 I feel you on the "accepted" thing it's like an awesome natural high when you see "Congratulations You've been Approved" 😉

Re: I'm finally in with NFCU!!!

morgacj2004 — Fri, 19 May 2017 04:37:38 GMT

I have only been with NFCU for one year and already have 70k in credit ! They are very generous

Re: I'm finally in with NFCU!!!

ulyssesmama — Sat, 20 May 2017 02:54:58 GMT

Really?? I hadn't heard that! That's a bummer

Re: I'm finally in with NFCU!!!

ulyssesmama — Sat, 20 May 2017 02:56:50 GMT

Yeah..it's a high! But I'm over it.

Re: I'm finally in with NFCU!!!

Anonymous — Sat, 20 May 2017 03:15:08 GMT

Some feedback, I think your applying for way too many credit cards. Your effectively diluting your ability to get good cards and limits. Most of your cards are super high interest with low limits so they are not of much use, I made the same mistake early in my rebuild. This messes up your AAOA and gives you a bunch of new accounts that are viewed by creditors as a distress sign. NFCU is a huge oppourtunity but if you keep applying for these new accounts even NFCU will see that as a bad thing. I would absolutely garden, I would garden for a whole year in fact, while your in the garden you can still get your soft pull CLI's which are great and NFCU may give you a nice one in a few months if you hold off on adding accounts and have a good utlization and payment history. My point is with NFCU alone you have far more potential than all of your other accounts combined so I would focus on growing that card and in a year, perhaps less if you get a great CLI with them go for a second card and perhaps CLOC but I would focus on them. All of these new accounts realistically have killed you with Penfed for a year, they won't give me a card because of too many new accounts (2 in the 6 months before my most recent app, they approved my wife with almost identical credit but no new accounts).

Just trying to help so don't take my comments as criticisim.

Re: I'm finally in with NFCU!!!

ulyssesmama — Sat, 20 May 2017 21:48:28 GMT