No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hello everybody!
So to start I want to thank everyone here for all the helpful information. To think this same time last year I had mid 500 scores, $0 in credit cards, some student loans with lates (forum helped get lates removed) and a car loan with 19% intrest but I found this forum and in the last 6 months my entire life has changed. I started with Nfcu last year in June but I had no idea the power they had until I came across this forum. In March, I applied for the More Rewards Amex and was instantly approved for 5k. Then 91 days later I was approved for the Cash Rewards at 8k and also a CLI from 5k to 13k on the Amex. Also I got a refinanced auto loan for 22k with 8.69% from the same EQ HP. So fast fowarding to yesterday, I want to try the same thing again so I applied for the Plat card but was denied. I wasn't upset because I figured it was to soon anyway and only wanted it so I could now have the minimum 3 credit cards (other than retail) to maximize on scoring points. I debated on rather or not to ask for an CLI on the Cash but I did and I am glad I did. I got the review message, logged in about 20 minutes later after I got the alert that my EQ was pulled and my limit was 16k. I am still in shock but this was only the beginning. I am getting into Real Estate and I wanted to get a loan so I figure why not go with Navy, I originally only wanted a loan for 15k but in talking with the rep he told me to aim high and they will counter, I figured why not so I applied for a 30k loan hoping to get countered between 15-17k, then it went into review. I didnt get a HP notification but I did get a email about 20 minutes stating my loan was approved my jaw dropped, I couldnt believe it. I signed the promissary note and in less than 5 minutes it was in my checking account. At this point I feel invincible lol so I figured since I already got the EQ pull I would apply for an increase on my Amex and CLOC, both were denied but both with no extra HP so I gained 38k from 1 EQ hp and 1 TU hp not bad lol. Overall I am ecstatic with my results and my give and take relationship with Navy lol.
So here's my Timeline:
Amex (3/19)- 5k
Amex CLI (6/19)- to 13k
Cash(6/19)- 8k
CLOC (6/19)- 3k
Auto Loan (6/19)-22k
Cash CLI (9/19)- to 16k
Personal Loan (9/19)- 30k
Total in 6 months 82K, Credit- 32k Loans- 52K...just wow lol.
DP:
DTI- 16%
UTL-12%
AAoA 1
TU- 736 9 inqs, 0 negatives
EQ- 731 8 inqs, 0 negatives
Yes, NFCU is Awesome! Congrats on your credit journey so far!
congrats!! NFCU is sure one of a kind!!
When you say you wanted a loan, you mean a personal loan right?
Wow, that’s awesome. Congrats!
I am maxed out with Navy at $15,200. It sucks being poor 😂
Thank you all!
@snickerpedia -Yes it was a personal loan
@Saeren - Lol atleast you're in, thats all that matters.
@Anonymous wrote:Thank you all!
@snickerpedia -Yes it was a personal loan
@Saeren - Lol atleast you're in, thats all that matters.
Yep. It’s been a year now and I’m happy with them.
"MIND BLOWING" Yep, That's Navy!
Can't wait to get in with NFCU. NFCU, USAA, and PenFed are on my list to go for in the coming 18 months