NinComPoop wrote:
Just found out I was approved with NFCU for $5K!!! This month has been great! Now I have NFCU, Nationwide, local CU, and Household as my remaining open accounts. I also plan on applying for an auto loan within the next few months. I don't need any additional credit cards, so that's the end of my app spree. When do you suggest I close HHB? I don't want to pay the $59 annual fee, but if it'll lower my score I'll keep it open for now...
Looks like you have three open revolving accounts plus the HSBC. Since you don't want to pay the fee, I'd plan on closing it the month before the fee is due again.
Stop using the card 2-3 weeks before this point. Pay off your balance online about 5 days before you plan to close it. If it's like my Best Buy store card, it won't credit you for three days after you pay, so keep that in mind. Do a screenshot of the $0 balance, and when you call them up to close, be sure to request that they send a letter confirming that there is a $0 balance on the account. Save that letter and the screenshot in your files, just in case they try to pop up some extra charge after you've technically closed. If you can still access your account after closing, check it twice a month for the next several months, just to be sure. Nothing like getting lates reported on a fee that you didn't know was there.
Congrats on the new approvals! Things are definitely looking up.
@Anonymous wrote:Just called today and was told I was approved for $7500, 11.24% APR, with 0% for 6 months. Originally applied on 12/11 (TU pull) and sent in address and employment verification. They pulled EX yesterday on 1/12. My TU score is around 720 with 30% util with 1 inq. (my strongest). EX showed low 700s with around 20 inquiries and higher utilization (due to Alliant CC not reporting on TU). Took over a month but was approved! I think the $7500 limit was based on my current highest limit of $7000 showing from Alliant CC. BTW no negatives on either reports with maybe 3 years AAOA.
For you folks that are still waiting for a response - just letting you know it took over a month for me with 2 forms of verification. Good luck!
Thanks.
Congrats on the card! Where did that EX score come from??? Just curious since we can't buy our FICO's any more.
So I had a dream this morning that I received a email from Nationwide saying....Congrats! You have been approved. Then I woke up. Decided that this was a positive sign and called again.....NOPE, they are still "working" on it even though they told me last week to call this week. Now I am told to call back Monday (yes, they are working MLK day). Wish me luck next week.
Starting Score: EX:603
WOW aquatic, I daresay you are the applicant of infinite patience 
hang in ther'
in any case, hope the news is good! and that you hear soon!