The prequal kept showing me only the nrewards but i figured what the heck its christmas lets give it a whirl and cold appd for the cash rewards unsecured. instantly approved for 3700 at 16.99
dp's - i joined navy back in may.
i have a checking and savings both with just over 100 bucks balance, no dd
my tu9 score is 689
my bk7 turned 2 years old on the 20th
my income is 36000
i have a ton of inqs, 20 + and many new accounts
my age of credit is 1 year and 4 months
my dti is 8-9 percent and my util is 24 percent
2 weeks ago penfed gave me the pcr with a 7.5 sl so i figured i had a fair shot with navy especially since their prequal is notoriously off base.
i was supposed to be in the garden but i figured now was the time to app because savor one and penfed are not reporting yet
{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's
TCL - about 110k
Retired since 2017
