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UPDATE
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Approved for BBVA business rewards
Asked 2500 got sl 3000
Approved NAVY NFCU cash rewards sl1000 went with the $150 SUB not 1.99% 12/m offer.
Didnt want to recon sl on navy, read enough on here to know to just wait 91/3.
Also went to nissan dealership for business car to build more business credit but will make another post on that.
Greatful for getting in with navy and getting my FIRST business credit accout. (No starter vendors or anything on any business file.)
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Hey fico family so I got an email offer 4 days ago for the cash rewards with a sign up bonus of $250 with $2500 spend
And got new email offer today for cash rewards but sub $150 with $2I spend. ( pics below)
My question would be near end of next month I'll be at 6 months since last 3 approvals, should I wait for until then to go for my first navy cc or should I go for it now since they keeping tossing offers at me and when I do call to apply is it possible to still get the $250 sub? Thanks in advance.
Some dp's
Denied penfed promise dec 20 for too many new accounts recently opened. (No relationship)
Opened navy dec 07 2019 tossed around 500-1k in checking since then to show some activity.
FICO 8 - EXPERIAN 731 / TRANSUNION 750 / EQUIFAX 732
INQ - EXPERIAN -0 in last 6 months and 5 in last year - TRANSUNION 3 in last 6 months- EQUIFAX 4 in last 6 months.
Utilization under 20% last 6 months
Freedom 10.5k - 5 month old
Venture one - 3k - 5 months old
Discover cash - 2k - 5 month old
Selflender - 1k - 5 months old ( 12 month loan)
Auth user HomeDepot 8k - 1 year old
Quicksilver one - 1.25k - 1 year 8 months old
Discover chrome - 600 - 1 year 8 months old
First time trying to add pics hope it works.
I'm currently on the $250 bonus for spending $2500. I have about another $250 to put on the card, however I still have at 58 days to accomplish this. I think you should pull the trigger with navy you'll probably get a higher limit than your other cards and you can utilize the 91/3 strategy.
Keep us posted on the Navy app, be interesting to see what they give you.
How long after you opened fhe account did you receive your first CC SUB offer?