NFCU/PenFed/Barclay

[heavyjay]

There's nothing wrong with Barclay cards. Barclay's itself is psychotic. After giving you a card, they will monitor your report and if they see you getting high limits with other banks/CU's, they CLD you.

[heavyjay]

Barclay's

[Anonymous]

That does not seem like a good way to entice customers to use your card. Still want that Arrival though!

I would also like to get another CO CC. I had their secured card with $3.3k until the beginning of this year when I had to close it for my mortgage. I like the current bonus on the QS of $100 after $500 spend. Should I try to add it in at the end?
I'm saying this order:
1. NFCU (possible LOC)
2. PenFed
3. Barclay
4. Capital One QS

[heavyjay]

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@Anonymous wrote:
That does not seem like a good way to entice customers to use your card. Still want that Arrival though!

I would also like to get another CO CC. I had their secured card with $3.3k until the beginning of this year when I had to close it for my mortgage. I like the current bonus on the QS of $100 after $500 spend. Should I try to add it in at the end?
I'm saying this order:
1. NFCU (possible LOC)
2. PenFed
3. Barclay
4. Capital One QS

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Your list is almost identical to mine.

As soon as my new lower utilization (9%) reports, I'm looking to get:

NFCU Cash Rewards

Penfed Platinum Rewards

SDFCU EMV Visa

Cap 1 QS

[Anonymous]

Is that the order you are going to do?
Is your credit score/profile similar to mine?

[heavyjay]

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@Anonymous wrote:
Is that the order you are going to do?
Is your credit score/profile similar to mine?

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My current Fico 08 scores are:

EX - 706

EX - 684

EQ - 684

I should get a decent bump when the lower util reports.

This is what they pull.

NFCU Cash Rewards - TU

Penfed Platinum Rewards - EQ
SDFCU EMV - EX
Cap1 QS - All three but can have EX or EQ frozen

Inquiries in last 12 months:

EQ - 1

EX - 3

TU - 6

Based on that, I'm thinking:

Penfed first

NFCU second

SDFCU third

Freeze EX and then app for Cap1

[Anonymous]

What do you mean by freezing EQ/EX?
I was thinking of taking the order you were. With NFCU doing multiple HP it might be better to not start a spree with that! However, I get the feeling from what I have read that PenFed is harder to get an approval as opposed to Navy. Is that a good assumption?

[heavyjay]

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@Anonymous wrote:
What do you mean by freezing EQ/EX?
I was thinking of taking the order you were. With NFCU doing multiple HP it might be better to not start a spree with that! However, I get the feeling from what I have read that PenFed is harder to get an approval as opposed to Navy. Is that a good assumption?

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I'm already an NFCU member so I'd only get 1 pull. I'm going for CC only, no LOC.

After reading the long NFCU and Penfed threads, I'd say Penfed is a little harder but low util and no negs is what they look for.

Freezing EQ/EX - Cap1 pulls all 3 but they will approve with 2 as long as they can pull TU and 1 other. I'll freeze EX since it will have 4 inquiries as opposed to only 2 on EQ.

[Anonymous]

I have heard of freezing to stop identity theft,but never like that!

I currently have:
TU - 2 medical collections/2 years old and 6 INQ
EQ - 1 medical collection and 8 INQ
EX - 0 BADI but 13 INQ

How should that affect the order?

[heavyjay]

I'd go for the NFCU but not until you get your util down some.