Thank you MyFico.. and Brammy

[Anonymous]

You know me as Doodah. I had to take another screen name because a switch in email address... anyhow I joined Navy FCU today and approved for $10,000 platinum visa. My Fico help me realize what I was not doing correctly. Utilization down to 20%. I have been able to get 6 credit cards paid down to zero balance by taking advantage of Cap1 1.99 APR for life and changing spending habits!

[Anonymous]

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FaircreditguyFL wrote:
You know me as Doodah. I had to take another screen name because a switch in email address... anyhow I joined Navy FCU today and approved for $10,000 platinum visa. My Fico help me realize what I was not doing correctly. Utilization down to 20%. I have been able to get 6 credit cards paid down to zero balance by taking advantage of Cap1 1.99 APR for life and changing spending habits!

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Wow!!  Congrats and let me say thanks to you!!!  Your salutation is making me blush

[Anonymous]

... spreading my luv for all post on the site and your comments to others! The truth is the truth.

[Anonymous]

That is definitely an AWESOME limit. Don't spend it all in one place and remember the 'Not so success stories' to keep you honest

[Anonymous]

Psh.  You only got 10,000 because it's navy fcu.

Anywhere else and...

I'm so bitter I can barely breathe.

Nah, just kidding, congrats!

I'm just jealous I'm not with them!

[Anonymous]

I tend to prefer (now) credit unions as I must prove i have the financial wherewithal to justify my credit. My limits may not me large by some standards, but last year my highest CL was $2000 & all cards at 80-90% utilization. I now have fixed rates at 8.9/9.9/10.9 fixed rates.

[Anonymous]

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FaircreditguyFL wrote:
I tend to prefer (now) credit unions as I must prove i have the financial wherewithal to justify my credit. My limits may not me large by some standards, but last year my highest CL was $2000 & all cards at 80-90% utilization. I now have fixed rates at 8.9/9.9/10.9 fixed rates.

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What other cards do you have?

[Anonymous]

Patelco Gold @ 8.9 fixed; JFCU Paltinum @ 9.9 fixed; NFCU @ 10.9 fixed; Cap1 @ 1.99 fixed for life of BT (They keep offering and keep taking).

[Anonymous]

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FaircreditguyFL wrote:
Patelco Gold @ 8.9 fixed; JFCU Paltinum @ 9.9 fixed; NFCU @ 10.9 fixed; Cap1 @ 1.99 fixed for life of BT (They keep offering and keep taking).

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 I also ave the Cap1 1.99  .lol!!!  Love it.  Was wondering what the oter low rate cards are, think I will look into those as well in 08 or 09.

[Anonymous]

I'm shooting for May of 08.  Too bad these dang inqs won't drop off  before then...