topic Re: Nervous for my app spree. in Credit Card Applications

Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 17:26:11 GMT

Just pulled my reports.

EQ 752 - 0 inq

TU 748 - 1 inq

EX 737 - 2 inq

Oldest Account - 2 yrs

AAoA - 1yr

Util- 10%

3 new cards I got 11.30.14

I was going to app PenFed first because I think that is the biggest long shot. Citi Double Cash. And then NFCU because I don't really see that being a huge problem. I'm pretty nervous. I was going to wait till 11.30.15 But I actually have some unexpected medical bills in the pike, so either I wait and have higher utility or go now before my year mark. If I'm not mistaken all of these will pull my EQ report?

What do you guys think. Is Penfed too much of a long shot?

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 17:28:59 GMT

I am thinking you stand a good chance.

Re: Nervous for my app spree.

Glkslngr — Mon, 26 Oct 2015 18:18:34 GMT

Go for it! Let us know how you do!

Re: Nervous for my app spree.

ddemari — Mon, 26 Oct 2015 18:59:28 GMT

Penfed will pull EQ and your profile looks good from the info u relayed! I would app I were u. If u get say 1-3 new cards u would have nothing to worry about just use and pay

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 19:37:37 GMT

I don't see any problem you getting approved .. You'll get it . Goodluck.

Re: Nervous for my app spree.

jacetx — Mon, 26 Oct 2015 20:37:01 GMT

Did you apply yet?

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 21:48:55 GMT

Not yet. I just joined and donated to voices for americas troops. Thought I should wait a bit, the login isn't letting me login.

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 22:50:21 GMT

PENFED membership. Check!

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 23:05:19 GMT

I feel so fancy. Can't jump for joy. I'm at work. I didn't apply for any credit products yet.

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 23:12:34 GMT

Based on personal experience and information I read here Citibank will pull both EX and EQ for your Double Cash application. I don't have any experience with PenFed or NFCU. Why do you feel PenFed is a long shot? Your credit profile looks good. Do you have a history with them?

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 23:11:45 GMT

I just have such short credit history, didn't think they would even approve membership.

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 23:13:34 GMT

@Anonymous wrote:
I just have such short credit history, didn't think they would even approve membership.

Okay. Congrats on the membership!

Re: Nervous for my app spree.

Anonymous — Mon, 26 Oct 2015 23:17:17 GMT

@Anonymous wrote:
I just have such short credit history, didn't think they would even approve membership.

Youre half way there. Good luck on your credit apps.

Re: Nervous for my app spree.

OmarGB9 — Tue, 27 Oct 2015 00:12:43 GMT

I think you have a really good shot at everything you want. I say go for it. And good luck.

Re: Nervous for my app spree.

Anonymous — Tue, 27 Oct 2015 00:36:13 GMT

@Anonymous wrote:
Just pulled my reports.

EQ 752 - 0 inq
TU 748 - 1 inq
EX 737 - 2 inq

Oldest Account - 2 yrs
AAoA - 1yr
Util- 10%
3 new cards I got 11.30.14

I was going to app PenFed first because I think that is the biggest long shot. Citi Double Cash. And then NFCU because I don't really see that being a huge problem. I'm pretty nervous. I was going to wait till 11.30.15 But I actually have some unexpected medical bills in the pike, so either I wait and have higher utility or go now before my year mark. If I'm not mistaken all of these will pull my EQ report?

What do you guys think. Is Penfed too much of a long shot?

Did you apply yet?

Re: Nervous for my app spree.

ddemari — Tue, 27 Oct 2015 22:29:27 GMT

Kitten don't leave us hanging. It makes no sense to not apply for at least one card u already took the pull the trigger on a card u want! Unless U really don't want a cc, then I understand.

Re: Nervous for my app spree.

Anonymous — Tue, 27 Oct 2015 22:37:43 GMT

I'm still deciding. I'm thinking a Promise card, simple solid no frills card. I was more interested in a PLOC actually, but everything from what I can see new members don't get approved for those?

So ya, I'm taking my spree slow....

Re: Nervous for my app spree.

Anonymous — Tue, 27 Oct 2015 22:55:14 GMT

Just rip the bandaid off and get it over with.

Re: Nervous for my app spree.

Anonymous — Tue, 27 Oct 2015 22:58:17 GMT

Should I attempt a PLOC first?

Re: Nervous for my app spree.

ddemari — Wed, 28 Oct 2015 02:49:45 GMT

i say no because PLOC's are harder to get but i say yes because if you get denied, fine. then try for the credit card and see what happens, they use the same pull.