topic Re: Close Rebuilders ? .. Made it to Prime in Credit Cards

Close Rebuilders ? .. Made it to Prime Updated

Anonymous — Sat, 26 May 2012 05:20:27 GMT

Been Lurking here for a few months ... Quick history started building credit 02/11 Cap One (Sec) 500/600, Orchard 300/600, FP 300/450, Credit One 300/500 all within a month or 2 .... (wish I found this forum sooner) Walmart 500/1200, Kay 3000, Dillards 300/500, DELL 1000. No bad marks or lates at all on credit report. Always PIF. One car paid off and a current note.

Anyways, I was in the Navy and had an account with NFCU back in the day ... was able to visit a branch and get it reopened 2 weeks ago. (without credit pull )

Applied today for NFCU Rewards Card ..... Instant online approval for 14,000 So decided to apply for Discover More today Instant online approval 2700

Also applied for Chase Freedom got the further review message ... going to give the backdoor number a call later..

I should cancel all 4 of my starters .....Right? Or keep them until the annual fee is coming up to build my AAoA ?

myFICO EQ - 663 Walmart TU - 729 AAoA 1yr NFCU Pulled TU Discover EQ Texas

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Thu, 24 May 2012 20:01:05 GMT

@Anonymous wrote:
Been Lurking here for a few months ... Quick history   started building credit 02/11   Cap One (Sec) 500/600, Orchard 300/600, FP 300/450, Credit One 300/500 all within a month or 2 .... (wish I found this forum sooner)   Walmart 500/1200, Kay 3000, Dillards 300/500, DELL 1000. No bad marks or lates at all on credit report. Always PIF. One car paid off and a current note.

Anyways, I was in the Navy and had an account with NFCU back in the day ... was able to visit a branch and get it reopened 2 weeks ago. (without credit pull )

Applied today for NFCU Rewards Card ..... Instant online approval for 14,000     So decided to apply for Discover More today Instant online approval 2700
Also applied for Chase Freedom   got the further review message ... going to give the backdoor number a call later..

I should cancel all 4 of my starters .....Right?    Or keep them until the annual fee is coming up to build my AAoA ?

myFICO EQ - 663    Walmart TU - 729     AAoA 1yr            NFCU Pulled TU Discover EQ    Texas

I would close them based on AF. But, It does not really matter w.r.t. AAoA.

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Thu, 24 May 2012 20:05:46 GMT

I agree with Wolf, definitely close them based on fees. Your util will not be affected since your new card has a nice CL. Your AAoA will not be hurt except by the opening of the new accounts, the rebuilders are supposed to stay on your credit and affect your AAoA for 10 years.

Enjoy your new benefits

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Thu, 24 May 2012 22:11:20 GMT

Thanks ! Feels good to close Credit One and First Premier , no more monthly fees.... lol Time to garden after app spree today and try for AMEX next year.

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Thu, 24 May 2012 23:42:21 GMT

congrats on that nice limit with nfcu

Re: Close Rebuilders ? .. Made it to Prime

MsLadyRover — Fri, 25 May 2012 04:10:31 GMT

Congrats on all your new cards!

Re: Close Rebuilders ? .. Made it to Prime

Repo-ed — Fri, 25 May 2012 10:45:22 GMT

Grats!!

Close the sup-primes

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Fri, 25 May 2012 15:08:44 GMT

Thanks !! UPDATE Called Chase Freedom recon number, initially denied due to 18 inquiries, and AAoA.......

After further review came back with approval for 2500.

Discover More limit was increased from 2700 to 3500 when I checked it today .... kewl

Time to garden for a while.

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Sat, 26 May 2012 05:19:48 GMT

Cancelled my 4 rebuilder cards today ..... Was feeling lucky and decided to apply for AMEX Zync. Was approved instantly online with NPSL .

First AMEX ... I am really done now. No more apps til 2014 The itch has been scratched.... LOL

Re: Close Rebuilders ? .. Made it to Prime

Jake0215 — Sat, 26 May 2012 05:24:30 GMT

@Anonymous wrote:
Cancelled my 4 rebuilder cards today ..... Was feeling lucky and decided to apply for AMEX Zync. Was approved instantly online with NPSL .

First AMEX ... I am really done now. No more apps til 2014 The itch has been scratched.... LOL

how many INQ's on EX?

Re: Close Rebuilders ? .. Made it to Prime

Anonymous — Sat, 26 May 2012 05:29:43 GMT

@Anonymous wrote:
Cancelled my 4 rebuilder cards today ..... Was feeling lucky and decided to apply for AMEX Zync. Was approved instantly online with NPSL .

First AMEX ... I am really done now. No more apps til 2014 The itch has been scratched.... LOL

lol congrats on the cards who did chase pull ex or tu? and scratching an itch just makes it worse you have to spray it with anti itch lol

Re: Close Rebuilders ? .. Made it to Prime Updated

Anonymous — Sat, 26 May 2012 05:36:44 GMT

According to truecredit monitoring EX - 13 inq .. +1 yesterday Chase pulled EX

topic Re: Close Rebuilders ? .. Made it to Prime in Credit Cards

Close Rebuilders ? .. Made it to Prime *Updated*

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime

Re: Close Rebuilders ? .. Made it to Prime *Updated*

Close Rebuilders ? .. Made it to Prime Updated

Re: Close Rebuilders ? .. Made it to Prime Updated