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NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

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NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Okay.. hear me out cause I think this was best for my sitch (or at least that's the story I'm sticking to Smiley LOL)

 

I've really been salty about not doing my research before apping for the GO Rewards instead of the MORE Rewards. But, here's my problem:

  1. Within the last 8 wks, I just apped for QS, BCE, CLOC & a USAA CC I foolishly closed the same day I opened. (Smiley Frustrated see https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-CLOC-amp-USAA-Rate-Advantage-Approval-HE...)
  2. Once these new accounts hit my CR, I KNOW my FICO will tank & not recover for a while, so this may be my last chance to do this since my statements cut between 21st - 23rd.
  3. It makes me nervous to have my highest LOC under AMEX since it's not as universally accepted as a VS or MC.

 

Thanks to @Creditaddict's "Navy thread"  & @credit_is_crack's "Which Banks Pull which reports" thread, I checked my TU9 and discovered it was my highest score with lowest amount of inq's. For reference:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 

Time for Money Moves Sunday Smiley Very Happy (All done by phone)

  1. PC from Go to More - No SP or HP.. you just have to use any points before you transfer. Points are redeemable in 5,000 increments.
  2. Apped for a Cash Rewards to have a Visa on hand & prayed for a good SL.

 

BOOM!CF06893E-3DB1-478F-BFE7-BA2BDBB4FA8F.jpeg

DP's:

TU F9 - 714

2 INQ - May & Sept '19

Derog's - 5 +120 late installment payments 10/2014 - 5/2015

Revolving - 1 CC reporting 3% UTI (PIF each month)

Installment - 2 Student Loans ($574/$1,750) ($9,034/$9,500)

Closed Account - 3 defaulted student loans (concurrent to late payments mentioned above), 2 vehicle (positive)

AoOA - 12 yrs

AoYA - 1 mo.







Message 1 of 28
27 REPLIES 27
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Moderator

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 2 of 28
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Regular Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????


@JAG73 wrote:

Congrats on your approval! 


Thanks Jag! Wish my DH felt the same joy for me. Smiley LOL He's very competitive & I think he's salty now. lol







Message 3 of 28
Established Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Congratulations on your approval!!!



Message 4 of 28
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Regular Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

the-real-top-gun.jpg


FICO 8 Scores (Actively rebuilding)

FICO 9 Scores

Inquiries (12/24): EX: 2/2 | TU: 2/2 | EQ: 0/0
AoYA: 4 months | AAoA: 8+ years | AoOA: 12+ years
New Accounts (24 months): 3
12 months until completely clean credit files!

Goal Cards:


Scores started in low 500's | Signature last updated 4/8/20
Message 5 of 28
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Super Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Congratulations!

 

Thats one heck of a credit card limit!



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 6 of 28
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Valued Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Congrats on the approval and monster SL!!
Message 7 of 28
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Super Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

 

Congratulations ..Nice SLSmiley Happy

 

Message 8 of 28
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Regular Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

You guys were supposed to turn on the electric fence in the garden!! You had ONE job!! Smiley Very Happy







Message 9 of 28
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Super Contributor

Re: NAVY WHAT!?! 2nd CC & PC - Who forgot to lock the garden door????

Congratulations on your approval and PC!
Message 10 of 28
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