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Not a bad app spree

Vizion
Regular Contributor

Not a bad app spree

Been getting balances low in anticipation of a spree: seems to have paid off! App'd for NFCU Cash Rewards last December with an instant denial. This was also my last set of inq. My AoA is only around 10 months. One card reporting $5 with the rest at $0. Two installment accounts active: one mortgage and one secured loan ($65/1000).

NFCU Cash Rewards $19.5k 15%
PenFed Promise $6k 16%
Capital One QS $3k
BoA Cash Rewards $5k
Amex Hilton ?
? - Approved, but since Amex is inaccessible with my screenreader I wasn't able to get more information.

Can I recon the APR of any of these? With the Promise I am debating using the soon-to-come email survey to recon the limit.. although I also like that opportunity to recon the SL.
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4 REPLIES 4
AverageJoesCredit
Mega Contributor

Re: Not a bad app spree

Congrats on your recents approvals. Very nice limits. What do your scores look like. With a low aaol and if your scores arent super high, not sure if getting lower aprs will be possible. In a year you can ask Navy for apr reduction. Penfed not sure. I believe its set unless you use another hp but i could be completely wrong so apologize if i am. Those aprs are still better than i got so enjoy. Just pif if its too problematicSmiley Wink
Message 2 of 5
doinit1
Valued Contributor

Re: Not a bad app spree

Not a bad app spee at all. Not sure about the recon...I am also new to NFCU and PenFed. Good luck though!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 3 of 5
Vizion
Regular Contributor

Re: Not a bad app spree

CK FACO is 683 TU / 719 EQ.
Discover FICO: 671
Citi FICO: 675
Message 4 of 5
Tigers09
Valued Contributor

Re: Not a bad app spree

NFCU- can ask for APR reduction after a year;
Cap1- can ask for whenever. If they have one for you it will be temporary (7 months)
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
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