yet another nfcu question

[virgo]

You are right. It was a hp and declined. I specifically asked prior to applying. Oh well.

[Creditaddict]

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@virgo wrote:

You are right. It was a hp and declined. I specifically asked prior to applying. Oh well.

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id go ahead and take $1k from your other credit card and ask if they will still open this new card with it... you my as well ge tthe 2 accounts out of your 2 HP's and set yourself up for possible SP CLI's down the road.

[virgo]

Do they soft cli's.  Thank you again for your guidance.

[Creditaddict]

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@virgo wrote:

Do they soft cli's.  Thank you again for your guidance.

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I have an entire thrad on this... "usually" first request is a HP unless it's been more than 6 months and then I think the chances of SP's start to go up... but after the first request it "usually" is SP for future requests that are under $25k and if you accept the counter offer of the requested amount.