Greetings to All,
I decided to put one foot out the garden gate while leaving the other firmly planted in the soil right by the veggies. I proceeded to obtain a travel card for my upcoming trips.
I had an offer for the Amex Gold for 50k and 4k spend, but I went with the Amex Platinum 60k for 5k spend, as a result of already having dining and grocery cards for now. Although, it wasn't the elusive 100k SUB, I will be using it alot, so it's okay.
Approved!, not instant, I had to call and answer a few questions about military connections and such. Yesss! SP Approval. NPSL but internal limit is at $4000. They informed me that the first 6 months is crucial in pattern development. Duly noted!
This my second personal Amex card within 7 months.
Since, I still had that foot out, I figured I would call up NFCU and ask about their prequal tool. The rep asked some basic questions and lo and behold I was prequalified for ALL cards. So I figured I'd go big or go home. I selected the Flagship for 2x the reward points for non-category spend. The 50k SUB for 4k spend was nice as well! Well the suspense was killing me (as if she was doing it on purpose, reading all the fine print)...
Approved! Wait for it....20K SL/APR 15.24%....I love, love, love, Navy! This is my 2nd NFCU card. They pulled TU, received alert 5 minutes after. I was approved 3 months ago for a 3x CLI on my CR, so no SP luv for me.
What a way to end 2019! I am literally set. I have cards for all my needs. Now I have taken that foot and set it with the other next to the veggies. A seedling again, but happy to water my new additions and continue my credit journey!
Thank you all of you awesome MF'ers (MyFicoers) for your advice and experiences! You guys are the reason!!!
DP's: Current as of Dec. 5
AAoA 2.3 months
AoYA 3 months
10 Open Revolving Accounts
No Mortgage
No Bankruptcies
TU - 740 INQ - 16
EX - 701 INQ - 7
EQ- 736 INQ - 14
(All inquiries within last 12 months/ 5 within 6 months/ 0 within 3 months)
Aggregate Utilization - 6%
Individual Utilization
Amex BCM - 18%
NFCU Cash Rewards - 0%
BBT Spectrum Cash - 3%
SunTrust CR - 25%
5/3 Trio - < 1%
Discover - 2%
Capital One - 0%
Petal - 0%
Mission Lane - 0%
Citi DC - 0%
New Lease - 14k / 11k left
Student Loans (2 Lates in 2015)
I decided to put one foot out the garden gate while leaving the other firmly planted in the soil right by the veggies. I proceeded to obtain a travel card for my upcoming trips.
I had an offer for the Amex Gold for 50k and 4k spend, but I went with the Amex Platinum 60k for 5k spend, as a result of already having dining and grocery cards for now. Although, it wasn't the elusive 100k SUB, I will be using it alot, so it's okay.
Approved!, not instant, I had to call and answer a few questions about military connections and such. Yesss! SP Approval. NPSL but internal limit is at $4000. They informed me that the first 6 months is crucial in pattern development. Duly noted!
This my second personal Amex card within 7 months.
Since, I still had that foot out, I figured I would call up NFCU and ask about their prequal tool. The rep asked some basic questions and lo and behold I was prequalified for ALL cards. So I figured I'd go big or go home. I selected the Flagship for 2x the reward points for non-category spend. The 50k SUB for 4k spend was nice as well! Well the suspense was killing me (as if she was doing it on purpose, reading all the fine print)...
Approved! Wait for it....20K SL/APR 15.24%....I love, love, love, Navy! This is my 2nd NFCU card. They pulled TU, received alert 5 minutes after. I was approved 3 months ago for a 3x CLI on my CR, so no SP luv for me.
What a way to end 2019! I am literally set. I have cards for all my needs. Now I have taken that foot and set it with the other next to the veggies. A seedling again, but happy to water my new additions and continue my credit journey!
Thank you all of you awesome MF'ers (MyFicoers) for your advice and experiences! You guys are the reason!!!
DP's: Current as of Dec. 5
AAoA 2.3 months
AoYA 3 months
10 Open Revolving Accounts
No Mortgage
No Bankruptcies
TU - 740 INQ - 16
EX - 701 INQ - 7
EQ- 736 INQ - 14
(All inquiries within last 12 months/ 5 within 6 months/ 0 within 3 months)
Aggregate Utilization - 6%
Individual Utilization
Amex BCM - 18%
NFCU Cash Rewards - 0%
BBT Spectrum Cash - 3%
SunTrust CR - 25%
5/3 Trio - < 1%
Discover - 2%
Capital One - 0%
Petal - 0%
Mission Lane - 0%
Citi DC - 0%
New Lease - 14k / 11k left
Student Loans (2 Lates in 2015)
Congratulations on your approvals!
Grats and enjoy 
Congrats!
I can't even find the garden any more...
Congratulations 🎉🎊🎈🦄🌈🎁💯🥳
On the Approvals!!!
Happy Creditmas 🎄
On the Approvals!!!
Happy Creditmas 🎄
2018 Dec Starting Score: 700
Congrats on your approvals
Outstanding. If you served, Thanks for your Service
Navy indeed is above all, they are da bomb Enjoy!
. If you served, Thanks for your ServiceNavy indeed is above all, they are da bomb
Enjoy!