At this time you don't have anything to lose but you have to stop opening these terrible cash advance type loans... so soon from BK, make you look in trouble again already.
I would start checking if you can consolidate the Capital one cards into just 1 for a higher limit.
Start asking for a credit line increase on each cap1 every month until you get 1 on a card, then don't ask for 6 months, but continue asking on the others each month.
Start asking Discover for a credit line increase EVERY MONTH.
Start calling robo lady with game stop and asking for a credit line increase EVERY month (don't give an amount. if approved, repeat the process and just ask her for credit line increase and go through the automated process again.
Call and ask kohls for a credit line increase.
What about your other credit union, you have had them since oct, time for an increase... do they have personal loans also?
Thanks for your response!!!
The other credit union is a little uptight when it comes to loans. I can ask for a CLI but they require a HP . Both capital one cards and gamestop have already given me a cli in the past 3 months. Discover is a pain and have not yet given me a cli . Trust me ive tried. I can def combine my capital one cards. In your opinion I should apply for a debt Consolidation loan with NFCU? Do u think I have a legit chance?
Okay, lets hold off on the HP for the other credit union right now.
You might have missed your window to double dip on the cap1 credit line increase but I would ask anyway, doesn't hurt, and then consolidate the ones it will allow you too... not sure if they have a balance you can.
Id say, it's a toss up on the loan, they sure didn't like you for a credit card at $700 but a loan at $5k might seem okay.
My thoughts exactly . Well then I guess its time to call NFCU . I assume it'll get denied and my best chance will me with the recon. Let's see what happens. Also thanks so much creditaddict for responding to my message . Your the best !!!!
just apply online.
E-mail for recons work just fine.
So i applied I spoke to an awesome rep. Gave her all my info . I was on hold for like 5 min but was ultimately declined . She told me that the LO didnt approve me because I'm a fresh member not so much because of my credit portfolio. She said had I had a few months tenure things would have more then likely been different . It was worth a try