@Anonymous wrote:No they are not (3) of them. They expire in about 3 years
ah nice, i'm really surprised you got approved for the cards you did with that major derog on your CR, I guess they don't care as long as you have a semi-thick file. lol
@Anonymous wrote:Scores today on MyFico: Eq: 721 TU: 724 Ex: 700
I have been planning for today for the past few months. I went this morning to TFCU in NY and applied for a 25k auto loan and an 8k visa
Because I have some unpaid tax liens from 2009 and 2012 and an unpaid judgement from 6 years ago TFCU said they would have to farm out the loan but would see about the visa.
AfterI got home I was pissed I wouldn't get the 1.45% new care TFCU rate so I applied online to Cap One Auto financing. In about 45 seconds I was approved for up to 40k with a range from 1.69 to 5.09% based on the amount borrowed and the length of the loan. For what I will ultimately borrow (25-30K) I am guaranteed a 1.99% rate with a 60 month term!!!!!!! I immediately called the CU and she said the other company would never be able to beat that so I had her withdraw that app but told her to continue with the visa (requested 8k....I have 5 credit cards 6k high and 1.5k low totalling 16,200 total credit.
Anyhow I researched cards I had wanted to add (I had 3 cap one, 1 discover and 1 B of A) and planned on going on an app apree the very second I had my car approval (I could care less if the dealer can beat 1.99% or not!!!!!!
I was immediately approved for 15 month 0% 3,500 with AMex everyday card!!! Yay!!!!! Then I applied for Chase Freedom and they said 7-10 days even after I called. Then I applied for the Discover Card and had to call them. I discussed my liens and then she asked me to wait for a moment. She came back on the line and I was approved for 10,500 at 0% for 14 months!!!!!!
Then I applied for Amex Blue Cash Everyday and it said pending. I called and was told they have to wait 5 days to process it, that they can't process 2 applications on the same day....Then I applied for Chase Slate...it said pending...I called up...they reviewed it and denied it....but said freedom was still pending.
Then I applied for City simplicity and was outright denied.
Then I applied for Cap one quicksilver visa and was immediately approved for 10,000 with 0% interest through december.
Then I appled for BofA pay down balance card. First it said pending...then it was denied when I later checked.
Then I appled for the Barclay's rewards mastercard (just to have another bank) and was immediately approved for 2,500. Then I applied for Barclay ring card and it said pending...I called and was denied due to judgement, liens and too many inquiries today.
Oh yeah...I also applied for a Macy's card somewhere in there and it is still pending.
So all in all, today I got up to a 40,000 auto loan at 1.99%, increased my credit limit by 26,500 (so far with amex and chase freedom still pending), now my CL is 16,700 + 26,500 = 43,200 with 2 cards still pending!!!!
Also, amex said I could request a CLI as soon as I have the card in hand.
Prior to today: Cap One MC- 4000, Cap One QS-MC- 6000, Cap One Venture- 3500, Discover-1700, BofA-1500.....added today: Discover IT-10,500, CapOne QS Visa-10,000 and Amex Everyday-3500.....again with Amex, Chase freedom and Macy's still pending.
I LOOVVVVVEEEEEE these boards and thank everyone so much for all of the advice they offer to everyone!!!!!!!!!!!!!!!!!!! (So I figured I should report my info and experiences as well!)
I'm more thn likely buying a new 2015 Honda CRV EXL!!!! I'll also be doing a lot of gardening for the rest of the year!!!!!!!!!!!
congrats awsome that you were able to get all of this with some minor issues good luck on your new car cheers to you my friend.
Way to go, CONGRATS!!!
Gardening Until Further Notice
That's a great question!!! I'll call them up and report back!! 
congrats..
