topic Re: Ducky in Credit Cards

Ducky

Anonymous — Wed, 21 Nov 2007 20:16:55 GMT

Ducky aka dnm. Are you ready for the shock.?

JFCU rep called me and told me that I can have combined total limit of

40000 for loc and credit card.He asked me how much do I want?

I told him 10000 dollars for credit card and 30,000 dollars for lOC.

I am approved for both and it is showing up on my account

plus I am getting NSA card they swicthed it from VISA classic to NSA card

I guess it was worth the wait.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 20:33:56 GMT

Congrats on your success, ash! I know you had been frustrate by JFCU's delay, but I'm glad it was worth the wait.

Told ya there were other fish in the sea besides you know who!

Re: Ducky

Anonymous — Wed, 21 Nov 2007 20:44:55 GMT

Thanks lurkmore.

I will suggest everyone who has good equifax score join JFCU.

National Sherriff association makes money if you just have NSA card.

Thanks

Re: Ducky

BRH3 — Wed, 21 Nov 2007 20:53:30 GMT

What is a good score for joining and getting credit with them?

Re: Ducky

Anonymous — Wed, 21 Nov 2007 20:54:08 GMT

around 650 EQ.

thanks

Re: Ducky

Anonymous — Wed, 21 Nov 2007 20:56:56 GMT

maybe the total cap w/o 6 moths history was overidden because of a supervisor setting up you account. i very happy for you, but so jealous. congrats!

question though. why not do max 25k on nsa visa and take the rest as loc?

oh, my eq was 652ish when i appd.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 20:59:04 GMT

Now I am thinking the samething but I guess it is the same thing right?

both are revolving accounts right?

You might be right it took them 5 days to set up the account so I guess they approved

me for that account and you are right supervisor set up my account.

dnm45227 wrote:
maybe the total cap w/o 6 moths history was overidden because of a supervisor setting up you account. i very happy for you, but so jealous. congrats!

question though. why not do max 25k on nsa visa and take the rest as loc?

oh, my eq was 652ish when i appd.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:06:00 GMT

both are revolving accounts, but the nsa visa has a 6 month promo rate of 6.99 % and the loc is 12.5% no promo. i also subscribe to the bigger limits beget higher limits motto., so i would want other cc's to try and match that 25k on a visa. lastly, just the ability to have 25k on me w/o carrying a check book.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:12:30 GMT

Yeo it does make sense. I applied for checking so they are giving me debit card

so I dont need checks I can acces LOC through debit card.

I did not know about the card rate. I never have any balance on my credit cards.

Should I call them anyway?

thanks

dnm45227 wrote:
both are revolving accounts, but the nsa visa has a 6 month promo rate of 6.99 % and the loc is 12.5% no promo. i also subscribe to the bigger limits beget higher limits motto., so i would want other cc's to try and match that 25k on a visa. lastly, just the ability to have 25k on me w/o carrying a check book.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:18:43 GMT

which visa did you get, nsa or jfcu plat? the plat has a lower rate after the intro is over. will you use the checking as you main account?

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:26:37 GMT

I should have gone for PLAT visa but NSA visa looks cool

Yep I will be using their checking accoung as main account.

thanks

dnm45227 wrote:
which visa did you get, nsa or jfcu plat? the plat has a lower rate after the intro is over. will you use the checking as you main account?

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:31:22 GMT

i like the nsa looks as well, plus nsa gets a peice of the pie. the shortcomings of the nsa vs the regular non intro rate is 1-2% higher, no cu rewards, but i'm willing to overlook those.

if your using the checking account as your main account, you have one heck of an overdraft protection. w/28 cc i see autopay's in your future, so i guess that kind of a cushion could come in handy.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:46:33 GMT

Wow you can read my mind. That was the only reason I got 30,000 LOC. Now

I can setup autopay for everything and dont have to worry about checks to be bounced.

plus its like cash i can take it out from any atm and I can use my debit card as a credit

so it works for everything.

dnm45227 wrote:
i like the nsa looks as well, plus nsa gets a peice of the pie. the shortcomings of the nsa vs the regular non intro rate is 1-2% higher, no cu rewards, but i'm willing to overlook those.

if your using the checking account as your main account, you have one heck of an overdraft protection. w/28 cc i see autopay's in your future, so i guess that kind of a cushion could come in handy.

Re: Ducky

Anonymous — Wed, 21 Nov 2007 21:49:47 GMT

great i'm starting to think just like him!

great minds just think alike i guess.

Re: Ducky

orl2185 — Thu, 22 Nov 2007 00:10:03 GMT

ashabbir1 wrote:
Ducky aka dnm. Are you ready for the shock.?

JFCU rep called me and told me that I can have combined total limit of

40000 for loc and credit card.He asked me how much do I want?

I told him 10000 dollars for credit card and 30,000 dollars for lOC.

I am approved for both and it is showing up on my account

plus I am getting NSA card they swicthed it from VISA classic to NSA card

I guess it was worth the wait.

Finally they came thru there ash... Super congrats go out to you...

Patience is a virtue

Re: Ducky

Anonymous — Thu, 22 Nov 2007 00:13:25 GMT

Yep

Thanks Orl

Re: Ducky

orl2185 — Thu, 22 Nov 2007 00:18:56 GMT

You really deserve it big man,

quote dnm, great od protection

Re: Ducky

Anonymous — Thu, 22 Nov 2007 00:28:24 GMT

Credit is of the past.

It's all about lines!

wait...I sound like a coke addict.

Re: Ducky

SonorityGenius — Thu, 22 Nov 2007 01:27:13 GMT

TheCynicalOne wrote:
Credit is of the past.

It's all about lines!

wait...I sound like a coke addict.

lol Cynical.. I still dont get what LoCs are for.. I understand they offer lower APRs than ccs but.. err unless you have to pay off a bazillion ccs, do we really need it?

I thought I read somewhere here that fico frowns on locs.. not sure though..

lmao @ coke addict

Re: Ducky

Anonymous — Thu, 22 Nov 2007 01:37:24 GMT

Sonority LOC works just like credit card.

Hope it helps

thanks