Today I hit my 91/3 from my second NFCU and it was time to go for the 3rd and last navy card. I currently hold a balance on a closed account with American Airlines CU about $9400.00. So It will only make sense to go for the Platinum and take advantage of the BT 0% for 12mths. TU shows 714 on F8. I was really hoping for something like my 2nd Navy card 20k but it was not the case. I was approved for $10600.00 not so bad at all. I know 10600 is not going to cut it so I need it another BT card. EX is my lower score F8 690 but didn't want to get a hard pull from EX I'm trying to build up for my second AMEX. On JUL13 I applied for the Penfed CR and was denied with a F8 714. Since I know penfed only pulls EQ decided to give it another shot this time. I went for the Gold and was approved for 5k with even a lower score F8 688. The apr on both cards are not the lowest Navy-12.99 PEN-17.99 but at least it will be 0% for the next 12 months. I really wanted to get into chase with the 80K Bonus for the CSP but I'm way far for that 5/24 rule. So I decided to get everything I need this year that way by 2022 I"ll be having a really strong score on all 3 bureaus and get some of that chase love. Recently opened a Savings with chase threw in $300 in there and I'll add some more down the road to establish some relationship. I don't really want any more cards in the future except for the Amex Gold. I'm just waiting for my EX score to hit mid 700 before applying. Here are some DP and quick facts about my credit journey have 4 accounts closed do to late payments and delinquency back from 2019 with KAY JWRLS, BOA, WF and AACU. Late payments in some of those accounts with 30,60,90 and even 120 days. All accounts were PIF except for the AACU ($9600 balance there ACCT CLOSED). This is the only thing affecting me right now UT on this card is about 68%. My overall UT is 2% on all my active cards always PIF. I think I've done a pretty good job this year. Started my rebuilding back on OCT 2019. Capital PLAT open 01/20 $750, Comenity EXP 01/20 $250, Comenity VICSC 01/20 $500, Comenity WAyF 01/20 $750, Discover 02/20 $2k, NFCU CR 02/20 $2k, NFCU MR 06/20 $20K and AMEX HSurpass 06/20 $1k. I hope this helps anyone out there in the same boat and remember try to include as much DP as possible on your approvals post. Do not post just the Bank and amount you got approved for just to get congrats replies. We all learn from each other here is good always to contribute some data. Thank you all in the community and be safe.
Congratulations on your approvals!
Congrats on your approvals 👍👍
Congratulations on your approvals!!
Congratulations on your Approvals!!..
Congrats on your approvals and good luck in the future!
