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NASA Remorse

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rdubz1
New Contributor
‎09-26-2014 08:49 PM
‎09-26-2014 08:49 PM

Re: NASA Remorse

Congrats, you'll be just fine

Message 11 of 33
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joedtx
Valued Contributor
‎09-26-2014 09:33 PM
‎09-26-2014 09:33 PM

Re: NASA Remorse

Congrats.....the remorse just means you are mature and its important to you.

Message 12 of 33
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Tony275
Valued Contributor
‎09-26-2014 10:36 PM
‎09-26-2014 10:36 PM

Re: NASA Remorse

Well congrats on lowering your Util significantly!
Message 13 of 33
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Imperfectfuture
Super Contributor
‎09-27-2014 12:02 AM
‎09-27-2014 12:02 AM

Re: NASA Remorse

@Tony275 wrote:
Well congrats on lowering your Util significantly!

This, it helps the remorse, and you can always tuck it away.

Signature needs updating
Message 14 of 33
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Anonymous
Not applicable
‎09-27-2014 10:40 AM
‎09-27-2014 10:40 AM

Re: NASA Remorse

Thanks for all the congrats and advice.  I will take the advice and SD.  It will be a nice UTIL pad as long as they don't close it out for inactivity, as others have said just lost a little AAOA and Two SPs not bad, I guess that's whey I coulsn't resist.

Message 15 of 33
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chalupaman
Super Contributor
‎09-27-2014 10:41 AM
‎09-27-2014 10:41 AM

Re: NASA Remorse

Nice. Congratulations. You certainly deserved it.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 16 of 33
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Imhotrodcrazy
Valued Contributor
‎09-27-2014 10:46 AM
‎09-27-2014 10:46 AM

Re: NASA Remorse

Congrats on your card.  Use it once and a while,  don't loose it for inactivity.

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 17 of 33
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Vegasr
Regular Contributor
‎09-27-2014 11:35 AM
‎09-27-2014 11:35 AM

Re: NASA Remorse

@Anonymous wrote:

Thanks for all the congrats and advice.  I will take the advice and SD.  It will be a nice UTIL pad as long as they don't close it out for inactivity, as others have said just lost a little AAOA and Two SPs not bad, I guess that's whey I coulsn't resist.

The fact that is was a few SD's only was the reason I and probably almost everyone else went for it.  I think that's pretty cool.

Embarrassing amount of credit cards
AoOA: 25yrs
Message 18 of 33
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Slim1Der
Frequent Contributor
‎09-27-2014 02:08 PM
‎09-27-2014 02:08 PM

Re: NASA Remorse

@Anonymous wrote:

I have been lurking around here for a few months and the information has been invaluable.

 

I saw all the hype about NASA and jumped on the bandwagon.  I didn't need the card, but went for it anyway.

 

Just got approved and funded today.  Apped two days ago and received the approval email earlier.

 

$30K Cash Rewards.

 

I guess I should be happy, but I am thinking I shouldn't have done it since I ddin't need it.

 

I had a BK 9 years ago and have worked hard to get my credit to a respectable place.  I guess it will be fine, I just need to respect the limits and not go on a spending frenzy.

 

Stats:

 

EX FICO was 737 two months ago when I got the AMEX everyday CC

UTIL is about 30% on about $20k in credit lines

EX INQS:  3

3 new accounts in the last 2 months

Income: $73K

 

Congrats! That's awesome! Getting one high CL was a great thing but it was so easy to rack up $11k on mine! Be careful and happy spending!

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009
Message 19 of 33
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Anonymous
Not applicable
‎09-27-2014 02:14 PM
‎09-27-2014 02:14 PM

Re: NASA Remorse

Why do people keep saying "two SP"s.   It wouldn't matter if it was 100 million SPs, no-one else sees them.  Congrats to OP

Message 20 of 33
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