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Soooo my trigger finger is getting itchy...
My one credit card from navy fed now has a balance of 1000 (5500 available) after about 8 month of slowly paying it down from ~4400. In that time i have applied for and recieved a 12500 NavyFed checking line of creddit, got my NavyFed car loan down to ~12500 from ~18000, and seen my credit score climb into the mid 700s. Ive always had the goal of getting my balance down to 0 in the back of my mind, but now im not sure how much id really benefit from it. If i can get approved for a couple new cards and maybe get some luv for NavyFed on my exsisting card then my overall available credit increase should help my score no?
my anxiousness has only been increased by my desire to propose to my girlfriend sometime before the end of this year. As some of you may have seen in my last post in the relationship boards i am in the market for a ring. I dont have the money to buy it outright, so a personal loan or a new card with a 0% APR period would be awesome. Some of you may judge and say applying for/recieving/and instally maxing out a card isnt responsible whatsoever, and i would be inclined to agree. But im in the military, and getting married would give me a signifigant pay bumb, that when paired with my current rent free living condition should allow me to pay off the balance extremely quickly. I dont plan on making the military a life long career so some extra income over the next year and a half to help my GF pay off some of her student loans and my car loan would be awsome.
Some cards im interested in include an AMEX (either BCP or Everyday Preffered), Discover, USAA (being that i have my car insurance through them) and an increase on my exsisting NavyFed cash rewards.
I know this was quite the read, but thank you in advance for any and all advice. This forum is amazing, i spend alot of time reading and learning hoping one day ill be in a position to offer helpful advice for others.
Seems like you have your credit house in order and have some pretty good FICO scores as well as making good on your payments, so I don't see any harm in seeing if you can at least prequalify for some of those cards you want and going from there. Good luck on the proposal too.