Which NFCU CC Should I Get?

[TheGardner]

You have the patience of a saint lol

[Anonymous]

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@TheGardner wrote:

You have the patience of a saint lol

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Hah.  If anyone that knows me saw this post they would never stop laughing.  I'm in month 1 of the 3 month post bonus spend period and I figure I'll give it another week or so and send them a SM.  I originally sent them one to make sure that they had me enrolled in that promotion because once it went away there was nothing showing on my account about it.  It was in that response where they mentioned how long it could take.

[Anonymous]

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@Anonymous wrote:

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@TheGardner wrote:

You have the patience of a saint lol

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Hah.  If anyone that knows me saw this post they would never stop laughing.  I'm in month 1 of the 3 month post bonus spend period and I figure I'll give it another week or so and send them a SM.  I originally sent them one to make sure that they had me enrolled in that promotion because once it went away there was nothing showing on my account about it.  It was in that response where they mentioned how long it could take.

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Irish,

I got a similar response when I asked to see if I got the sign up bonus for the goRewards card back in December.  They told me "spend $2,000.00 in purchases in the first 90 days of opening and get 20,000 points after 8 weeks after the end of the 90 days"

Oz

[Anonymous]

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@Anonymous wrote:

You don't ask for any amount  for the credit card and most people ask for $15K on the Navcheck, which is the max.  Whether they want POI is not dependent on any amount but your credit file.

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Thanks for input. I'll go for it after my Equifax clears.

[TheGardner]

Good luck, keep us posted!

[EdwardMH]

@1GaDawg85 wrote:

I would go for the CashRewards card and yes get the NavCheck! 

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@I am trying to raise my Credit Score for a VA or FHA Home loan. I just this past week got approved for the Cash Rewards CC $8,500 @Anonymous.15% interest and AND the NAVCheck $15,000 @ 15.09%  A application for the NFCU Platinum card is under review, should I attempt to get lower interest rates as my credit scores improve OR Credit Limit increase or try for the Citi and AMEX everyone tells me I MUST have for credit Score building. and how long should I wait?

[Anonymous]

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@EdwardMH wrote:

@1GaDawg85 wrote:

I would go for the CashRewards card and yes get the NavCheck! 

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@I am trying to raise my Credit Score for a VA or FHA Home loan. I just this past week got approved for the Cash Rewards CC $8,500 @Anonymous.15% interest and AND the NAVCheck $15,000 @ 15.09%  A application for the NFCU Platinum card is under review, should I attempt to get lower interest rates as my credit scores improve OR Credit Limit increase or try for the Citi and AMEX everyone tells me I MUST have for credit Score building. and how long should I wait?

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Not sure who told you that you need an Amex or Citi card to increase your credit score. Simply not true.  You currently, at least in your signature, have  3 revolving credit cards. You don't need any more for credit score purposes.  In fact, the more cards you apply for now can decrease your credit score from more inquiries and lower average age of accounts.  If you are considering applying for a mortgage anytime in the near future, the absolute worst thing you need is more inquiries and new accounts.  Time is your ally now. Make sure you keep utilization below 10% (preferably 0%) and let your accounts age.  Your score will rise in time.

[EdwardMH]

Ok TY, Right now I have the Bestbuy Card (Did not want the Store card I THOUGHT I was applying for a Best Buy Master Card), The Cash rewards card, and the $15,000 Checking Line of Credit. The third card is there for the Navy Federal Platinum Card I applied for last night but it was sent to review I am betting it will not be approved.

[Anonymous]

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@EdwardMH wrote:

Ok TY, Right now I have the Bestbuy Card (Did not want the Store card I THOUGHT I was applying for a Best Buy Master Card), The Cash rewards card, and the $15,000 Checking Line of Credit. The third card is there for the Navy Federal Platinum Card I applied for last night but it was sent to review I am betting it will not be approved.

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Wait it out to hear.  Mortgage companies don't want to see new inquiries/accounts anytime  before a mortgage application.  Good luck.

[Anonymous]

Thanks for your help guys... I got the Cash Rewards for 14k and NavCheck for 15K Woooo!