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Ok, yes I know I should be sitting in the garden. However I am contemplating if I should apply for a card(s) with PenFed or NFCU. I just joined both after finding out I was actually eligible.
2020 was the year I got bored and opened accounts and couldn't say no.
I opened several cards in 2020:
After the BB&T card, I had plans to go sit in the garden at least through 2021 unless AmEx came out with an offer that I would benefit from.
With 6 new accounts, I know better than to app for another card but the itch has started. However I could replace the Citi DC with the PenFed PCR or NFCU Flagship Rewards (or even the Platinum). Should I jump or come back off of the ledge?
Current overall utilization is 7-8%. Most of that is on 0% promotions.
Fico 8 scores 765-775 depending on which bureau you ask.
TU inq's: 2/24
Eq inq's: 7/24 -doh! however 3 were from the car buying process in April, approved through the CU but dealer beat their rate with Acura Financial.
Ex inq's: 5 /24
I vote walk it back.
If you HAVE to apply, I'd say nfcu. You have less inquiries on TU (which they pulled for my accounts) and their CLI's are SP.
I think PenFed is EQ and HP?
Again, just let it marinate is my invaluable 2 cents.
I would agree with the others as far as PenFed. It would be a nail in the coffin with that many new accounts/inquiries in the past 6-12 months. While NFCU may be everyone's lover, you may end up with a very low SL, if approved (maybe I'm wrong), but it's not like NFCU will pretend those new accounts don't exist either.
You can try your luck and see 🤷♂️
Alright, I'm coming down and heading back into the garden. I really don't need either card, or any new cards. It wouldn't benefit me to get a low SL card and waste a HP, that is not the goal at all. .
@fatcomic wrote:Alright, I'm coming down and heading back into the garden. I really don't need either card, or any new cards. It wouldn't benefit me to get a low SL card and waste a HP, that is not the goal at all. .
There you go, come on down now.
Love the GIF, have that song in my head now! Lol
***UPDATE***
I couldnt' stand it and I jumped, sometimes I am my own worst enemy. I went for NFCU Platinum, approved, $23,100 SL 5.99%, I'm happy. Now I'm grabbing a hoe and going to lock myself in the garden.
As the OP has provided an update and indicated they've been approved, this thread is now locked to new messages.