Okay.. hear me out cause I think this was best for my sitch (or at least that's the story I'm sticking to 
)
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:
- Within the last 8 wks, I just apped for QS, BCE, CLOC & a USAA CC I foolishly closed the same day I opened. (
see https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-CLOC-amp-USAA-Rate-Advantage-Approval-HE...) - 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.
- 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:
Time for Money Moves Sunday 
(All done by phone)
- 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.
- Apped for a Cash Rewards to have a Visa on hand & prayed for a good SL.
BOOM!
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.
@Anonymous wrote:Congrats on your approval!
Thanks Jag! Wish my DH felt the same joy for me. He's very competitive & I think he's salty now. lol
Congratulations on your approval!!!
Congratulations ..Nice SL
You guys were supposed to turn on the electric fence in the garden!! You had ONE job!!
Congratulations on your approval and PC!
