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@Jnbmom wrote:
Darn you made me look, still sporting that 1K loan at 22%😂😂😂😂😂
Same here, only that $1k loan at 22%. Tempting, but Uncle Guido the loan shark has slightly better rates, just a little rough on the fingers if you're late.
And I'm fine with that, their CCs are pretty mediocre, my car loan & $1k savings accounts is all I want from them.
@DaveInAZ wrote:
@Jnbmom wrote:
Darn you made me look, still sporting that 1K loan at 22%😂😂😂😂😂
Same here, only that $1k loan at 22%. Tempting, but Uncle Guido the loan shark has slightly better rates, just a little rough on the fingers if you're late.
And I'm fine with that, their CCs are pretty mediocre, my car loan & $1k savings accounts is all I want from them.
@DaveInAZ 😂😂😂😂Yes think my dad's former bookie has better rates lol
@Jnbmom wrote:
@DaveInAZ wrote:
@Jnbmom wrote:
Darn you made me look, still sporting that 1K loan at 22%😂😂😂😂😂
Same here, only that $1k loan at 22%. Tempting, but Uncle Guido the loan shark has slightly better rates, just a little rough on the fingers if you're late.
And I'm fine with that, their CCs are pretty mediocre, my car loan & $1k savings accounts is all I want from them.
@DaveInAZ 😂😂😂😂Yes think my dad's former bookie has better rates lol
At least you guys have $1K, I have $500.
I do wonder if the frozen credit bureaus has something to do with it though. It takes a few seconds to load, it's possible it's actually trying to hit EQ with a SP and failing. I don't care enough to go through the hassle of lifting my freeze and I don't have anything else I'm going to be applying for in the near future so I'll just keep my $1K credit card and go about my business.
@Anonymous wrote:At least you guys have $1K, I have $500.
I do wonder if the frozen credit bureaus has something to do with it though. It takes a few seconds to load, it's possible it's actually trying to hit EQ with a SP and failing. I don't care enough to go through the hassle of lifting my freeze and I don't have anything else I'm going to be applying for in the near future so I'll just keep my $1K credit card and go about my business.
Do you get the monthly EQ Fico 5 score? If so then they're soft pulling EQ ok, as they should be able to do as a creditor with an existing relationship. I have all 3 CRAs locked with a service with each of them and as I have a car loan with them they're SP'ing my EQ ok. Their Platinum Visa is OK with low APR and no fee cash advances to checking if you need it, but I already have that with my local CU.
@DaveInAZ wrote:
@Anonymous wrote:At least you guys have $1K, I have $500.
I do wonder if the frozen credit bureaus has something to do with it though. It takes a few seconds to load, it's possible it's actually trying to hit EQ with a SP and failing. I don't care enough to go through the hassle of lifting my freeze and I don't have anything else I'm going to be applying for in the near future so I'll just keep my $1K credit card and go about my business.Do you get the monthly EQ Fico 5 score? If so then they're soft pulling EQ ok, as they should be able to do as a creditor with an existing relationship. I have all 3 CRAs locked with a service with each of them and as I have a car loan with them they're SP'ing my EQ ok. Their Platinum Visa is OK with low APR and no fee cash advances to checking if you need it, but I already have that with my local CU.
Yep I get the same 696 every month from them but I have seen many cases where lenders try to pull my credit reports and can't despite having an existing relationship. Synchrony is one such lender -- and they also pull my TU score every month. If my credit reports are frozen and I ask for a CLI, I get a letter that they couldn't pull my credit. I have done this three times because I just forget that TU is frozen. 😂
The Platinum card is okay but at 13.75% APR, I would just advance off my NFCU Platinum at 10.24% if I needed cash and I have decided to stay with my bank too so I may just go ahead and close the DCU card next year.
@Anonymous wrote:
@DaveInAZ wrote:
@Anonymous wrote:At least you guys have $1K, I have $500.
I do wonder if the frozen credit bureaus has something to do with it though. It takes a few seconds to load, it's possible it's actually trying to hit EQ with a SP and failing. I don't care enough to go through the hassle of lifting my freeze and I don't have anything else I'm going to be applying for in the near future so I'll just keep my $1K credit card and go about my business.Do you get the monthly EQ Fico 5 score? If so then they're soft pulling EQ ok, as they should be able to do as a creditor with an existing relationship. I have all 3 CRAs locked with a service with each of them and as I have a car loan with them they're SP'ing my EQ ok. Their Platinum Visa is OK with low APR and no fee cash advances to checking if you need it, but I already have that with my local CU.
Yep I get the same 696 every month from them but I have seen many cases where lenders try to pull my credit reports and can't despite having an existing relationship. Synchrony is one such lender -- and they also pull my TU score every month. If my credit reports are frozen and I ask for a CLI, I get a letter that they couldn't pull my credit. I have done this three times because I just forget that TU is frozen. 😂
The Platinum card is okay but at 13.75% APR, I would just advance off my NFCU Platinum at 10.24% if I needed cash and I have decided to stay with my bank too so I may just go ahead and close the DCU card next year.
Well, you're ahead of my, my DCU EQ Fico 5 has been at 692 forever, over a year. It seems pretty useless - I have EQ Complete Premier service and their non-Fico score changes, it's gone from 721 to 734 over the past couple of months. Yes, I've done that a couple times with Synchrony, app'd for a CLI forgetting I have TU locked. Synch seems pretty unique in requiring TU to be unlocked/unfrozen for a CLI request even though they provide monthly TU scores, I got a CLI with BoA with all reports locked.