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Add a card? What's best?

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Contributor

Re: Add a card? What's best?

I'm honestly suprised I got approved for this Cap1 originally. It did start as a Platinum. I am nervous to apply. I've been pinging the pre-approval sites. The only one showing me any offers atm is US Bank. Any info on those? 

 

<edit>

 

I would LOVE the Discover IT. But no dice. 

 

<edit 2>

 

Just tried US Bank. No go. I'll be done applying for a while. Need some of these HPs to fall off now. Smiley Sad


In the garden since 6/2017 Total Credit Lines: $21,000
Message 11 of 41
Valued Contributor

Re: Add a card? What's best?

The HPs stop hurting your score after 1 year.

They will drop from your reports in 2 years.

 

Message 12 of 41
Valued Contributor

Re: Add a card? What's best?

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores. 

Message 13 of 41
Contributor

Re: Add a card? What's best?


@tydawg wrote:

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores. 


I don't have anyone other than my grandfather who was in the Korean War. Does that count for NFCU? 


In the garden since 6/2017 Total Credit Lines: $21,000
Message 14 of 41
Valued Contributor

Re: Add a card? What's best?


@calebonline wrote:

@tydawg wrote:

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores. 


What is NFCU?


Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego. 

Message 15 of 41
Contributor

Re: Add a card? What's best?


@tydawg wrote:

@calebonline wrote:

@tydawg wrote:

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores. 


What is NFCU?


Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego. 


OK. Thanks! 


In the garden since 6/2017 Total Credit Lines: $21,000
Message 16 of 41
Contributor

Re: Add a card? What's best?

Should I wait on that one? I've had some baddies recently, but all paid. Most are at least a year old I guess, but a few just recently paid. 


@tydawg wrote:

@calebonline wrote:

@tydawg wrote:

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores. 


What is NFCU?


Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego. 


 


In the garden since 6/2017 Total Credit Lines: $21,000
Message 17 of 41
Valued Contributor

Re: Add a card? What's best?

You should still be able to establish membership and then you can either apply now or wait a few months. It's a HP to join and a hard pull to app either way

Message 18 of 41
Contributor

Re: Add a card? What's best?


@tydawg wrote:

You should still be able to establish membership and then you can either apply now or wait a few months. It's a HP to join and a hard pull to app either way


Looking at the threads on NCFU, it looks like almost everyone is being accepted and granted a decently sized limit. They also seem like a great CU! I just joined NLUS. Going to go into a branch and apply. See how it shakes out. I'm excited! Thanks for the info! 


In the garden since 6/2017 Total Credit Lines: $21,000
Message 19 of 41
Super Contributor

Re: Add a card? What's best?


@calebonline wrote:

@newhis wrote:

Please define 'fair scores'.

 

You only have the QS with $300 limit that you opened in August?

You need to report your balance between $3-$20, to have the most points for UTIL.

If you are reporting $0, or $30+ you are not getting all the points you can.

 

I think you should go with card that will grow with SP CLI.

My favorites for this: Amex BCE and Discover.

If they deny you, you can try again in a few months.

Visit Amex site and try the pre-qual.

I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

 

Good luck.

 


Sorry, scores are 590-613. Per CCT. Utilization rate I've kept great. Paying in full well before due date. 


I think you should just garden for awhile.

 

But if you have a strong desire to apply for something, I think you should go for a Barclay Rewards card or an NFCU card.

 

 


Total revolving limits 730000 (603500 reporting) FICO 8 scores: EQ 722 TU 752 EX 734
Message 20 of 41
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