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NFCU Flagship Rewards & BoA Alaska Airlines Signature

Morehouse3000
Frequent Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Navy doesn't mind you asking for money.  lol   I have 2 CC totalling $55K & a Car loan that is now at $21K (was $32K) Got the car loan and 1st credit card a few months apart.

Message 11 of 21
Cremling
Established Member

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature


@Morehouse3000 wrote:

I don't think with Navy  credit score is what determines CL amount.   My 1st Navy I had around a 640 score & they gave me $24K.  My 2nd Navy score was around 660.....$25k.   $100K income that's what did it.   My mother got a Navy card income around $40K she's retired and they gave her $12K first card.   


Problem with that theory is I put down 140,000... I will probably make 150-160k on my W2 this year (37k YTD already on paystubs, 2 months into the calendar year) but the 140,000 would be backed by last years tax return in case they asked for POI. So I don't think that applies. My DTI is quite low as well, less than 10%. I have a mix of installment account, 3 current ones 1 of which is more than 80% paid off and the rest more than 70%. Even have a mortgage that's paid off from a few years ago too. IMO my profile where it stand now (hasn't always been the case) should qualify for the highest SL. If i included my DW's income then it would look even better.

 

Might have to do with my highest other limits, which is only 14k. I've never chased CLIs to get that any higher.

Message 12 of 21
M_Smart007
Epic Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature


@Cremling wrote:

@Morehouse3000 wrote:

I don't think with Navy  credit score is what determines CL amount.   My 1st Navy I had around a 640 score & they gave me $24K.  My 2nd Navy score was around 660.....$25k.   $100K income that's what did it.   My mother got a Navy card income around $40K she's retired and they gave her $12K first card.   


Problem with that theory is I put down 140,000... I will probably make 150-160k on my W2 this year (37k YTD already on paystubs, 2 months into the calendar year) but the 140,000 would be backed by last years tax return in case they asked for POI. So I don't think that applies. My DTI is quite low as well, less than 10%. I have a mix of installment account, 3 current ones 1 of which is more than 80% paid off and the rest more than 70%. Even have a mortgage that's paid off from a few years ago too. IMO my profile should qualify for the highest SL. If i included my DW's income then it would look even better.


Debt to Income is a huge factor they look at ..  IMO

 

 




Message 13 of 21
Cremling
Established Member

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Just calc'd my DTI, which is 8.9%. Again, don't really care - but I do care about misleading others who will eventually search for DP posts and want them to know.

Message 14 of 21
Running-Man
Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Congrats

Message 15 of 21
J8
Established Member

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Congrats! Smiley Happy

Starting Score: 600
Current Score: 4/19/2020 Fico8: TU 608, EQ 609, EX 608
Goal Score: 700


Take the myFICO Fitness Challenge
Message 16 of 21
Mv350
Valued Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Congrats on your success!

Message 17 of 21
angelwingz
Valued Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Congratulations on your approvals! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 18 of 21
Meanmchine
Super Contributor

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Double congrats !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 19 of 21
Creditmakhi
Established Member

Re: NFCU Flagship Rewards & BoA Alaska Airlines Signature

Congrats Navy is awesome 

Message 20 of 21
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