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Cap. 1

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renclan
Regular Contributor
‎03-15-2016 09:08 AM
‎03-15-2016 09:08 AM

Re: Cap. 1

@Anonymous wrote:

I'll probably just pay the card down.  I get the point of asking for an CLI but that 23% bugs me. I can live w/o the additional card.


It might also be worth it to contact CO and see if they would do an APR reduction. I have been successful in doing this twice. I also did a product change to a QS and saved myself the hard pull inquiry. Good look OP!

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674


Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.
Message 21 of 23
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renclan
Regular Contributor
‎03-15-2016 09:13 AM
‎03-15-2016 09:13 AM

Re: Cap. 1

@Anonymous wrote:

Just an update This is what did:

 

I paid off(not closed) the Cap 1 cc 

Paid (not closed) Lane Bryant

Paid Jessica London down by $200

I looked online for cars I was interested in and could comfortably afford. I was between Nissan Juke/Rogue or Mitsibushi Mirage between 2013 and 2015.

I had a Cap 1 pre--approval with an APR range of 1.99 - 7.12 dependng on make, model, etc...

Today I was ready to pull the trigger. I found 4 cars I was interested in, email the dealers reagarding proces. One gave me a good rate. I explained what my bottom lline number was and that I had pre-approval. At the dealers there was some haggling as they tried to claim they couldn't give me that rate since I wasn't trading in a car. In the end I got a 2015 Mirage with 200 miles on it and 1.99% financing at 72mths. 

 

Thanks to all for your assistance.

Great job! Congrats!

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674


Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.
Message 22 of 23
Anonymous
Not applicable
‎03-15-2016 09:25 AM
‎03-15-2016 09:25 AM

Re: Cap. 1

@Anonymous wrote:

Just an update This is what did:

 

I paid off(not closed) the Cap 1 cc 

Paid (not closed) Lane Bryant

Paid Jessica London down by $200

I looked online for cars I was interested in and could comfortably afford. I was between Nissan Juke/Rogue or Mitsibushi Mirage between 2013 and 2015.

I had a Cap 1 pre--approval with an APR range of 1.99 - 7.12 dependng on make, model, etc...

Today I was ready to pull the trigger. I found 4 cars I was interested in, email the dealers reagarding proces. One gave me a good rate. I explained what my bottom lline number was and that I had pre-approval. At the dealers there was some haggling as they tried to claim they couldn't give me that rate since I wasn't trading in a car. In the end I got a 2015 Mirage with 200 miles on it and 1.99% financing at 72mths. 

 

Thanks to all for your assistance.

A W E S O M E job!!Smiley Happy

Message 23 of 23
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