starting limit 23.1k, 9.99%
First cli 90 days 3rd statement 23.1k-27.1k
second 180 days/ 6 statements 27.1k-31.1k.
third 180 days/ 6 statements 31.1k-39.1k
total current exposure 68.1k
second card, plat 25k SL at 5.99% hit 3rd statement and bumped to 29k.
this will hit 180/6 in January and get another boost to 37 making total cc exposure 72.1k
leaving room for one final cli to be maxed out.
relationship with NFCU/dps
member since 2006 (when enlisted)
closed account in 2008/used bank. Had neg balance/left them on the hook for like 50$ or something. Paid balance in 2019 or 2020 and opened new account- still shows member since 2006.
one CC with them, opened 2006, closed 2007, no negative remarks.
it still reports on my equifax as my oldest cc.
I set them up for direct deposit and they receive about 125k-140k a year in DD.
opened a vehicle finance 9/2020. 60m for 50k at 2.1%.
current fico 8 from here and fico9 from navy fed Below.
fyi I started my credit journey in 2014 when I didn't understand why I could not get approved for an American Express gold card despite my high income and realized how much $ I would save on vehicle loans and mortgages if I actually used CC's and monitored and cared for my credit. That's when I app'd for a CC from first premier, cap1 and discover. Credit karma recently sent me an email reminding me that 7 years ago my credit score was a 631.
I didn't get serious until I actually joined up and started participating here. Although I still mostly only lurk and read and not post.
scores have hovered over the last 6m between 785-815.
I am pausing credit seeking as I will be doing a new construction mortgage 1Q or 2Q next year. I am 4/24 right now but will be 3/24 or 2/24 by the time I am ready to get new cards. Watch out chase. I am coming for your subs.... again.
Grats on your move on up!
Congrats on your CLI!
Congratulations 🎊🎈🎉 on your NFCU CLI.
Congratulations on your limit increase and also thank you for all the data points!
