Capital One Pre-Approval in the mail!!

[USF813]

Well this was a shocker when I got home tonight. This will mark the very first pre-approval i've gotten in the mail since my BK in June '09. Of course, it's going in the shredder. I don't want to risk a possible auto-CLI on my NFCU card this April.

Nonetheless, it was a good feeling seeing "pre-approved" on the envelope.

[coldnmn]

Positive signs in your journey are always a great thing to see!

[bigblue7722]

What card was the pre approval for?

[USF813]

I'm not sure what card it was for. I looked at it for a minute and then shredded it. I have one store card and two Visas, plus a mortgage. That's enough credit for me right now. I might get a new car next year.

[Anonymous]

Might want to think about this card if it will enhance your card folio. It takes time to build back the lost days of good credit. Cap1 is known for helping people get back on their feet.

[USF813]

@Wanderer, I know that approach definately works for some people. After reckless spending which landed me in BK I don't feel the need to have more than what I currently have. I don't necessarily begrudge others who do feel the need for 8-10 or more cards, although I don't believe it's a healthy addiction. Plus i'm a member of NFCU. I don't see what Capital One could offer me that Navy Fed can't. I'm treating NFCU real good and hope that in a years time when i'm ready to buy a new car they'll treat me well too.

[efranklin23]

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@USF813 wrote:

@Anonymous, I know that approach definately works for some people. After reckless spending which landed me in BK I don't feel the need to have more than what I currently have. I don't necessarily begrudge others who do feel the need for 8-10 or more cards, although I don't believe it's a healthy addiction. Plus i'm a member of NFCU. I don't see what Capital One could offer me that Navy Fed can't. I'm treating NFCU real good and hope that in a years time when i'm ready to buy a new car they'll treat me well too.

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+1 Credit varies for everyone. Some people prefer 1 card while others have over 100 cards on here (not saying any names )

[efranklin23]

I know this is off topic a but does usf813 mean the Univ of South Florida on Fowler in Tampa (near Temple Terrace I believe)? If so, I have a sister that went there! 

[USF813]

Yes it does. I graduated from there in 2003. I'm a born and raised Tampan. I grew up in Temple Terrace, near Whiteway drive.

[FinStar]

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@efranklin23 wrote:

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@USF813 wrote:

@Anonymous, I know that approach definately works for some people. After reckless spending which landed me in BK I don't feel the need to have more than what I currently have. I don't necessarily begrudge others who do feel the need for 8-10 or more cards, although I don't believe it's a healthy addiction. Plus i'm a member of NFCU. I don't see what Capital One could offer me that Navy Fed can't. I'm treating NFCU real good and hope that in a years time when i'm ready to buy a new car they'll treat me well too.

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+1 Credit varies for everyone. Some people prefer 1 card while others have over 100 cards on here (not saying any names )

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Do you mean Ron1 and myself OP?  Even the fabulous Lexie has a decent portfolio close to mine