Started with Navy at the end of Dec 2017 with a mere $500 SL on the CR.
Just approved for 3rd card today, Platty at $15k.
CR: $6.5k
GR: $11k
Platinum: $15k
CLOC: $15k
Auto: $20k balance
TU F9: 705 (HP)
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Re: Navy Federal Thread for CLI and Additional Cards
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Re: Barclays Carnival app question?
wrote:
@xaximus I know I won't qualify for any Chase card by December, my BK will only be 11 months old. I'd be willing to choose another card, just don't know what's out there as far as travel. And if I don't find anything, that's still okay. Just thought this card would be nice since I love sailing with Carnival.
On that note, I would try getting a Capital One card, either the Platinum or QS, once you have that, you can then do a PC to a Venture Rewards card, which is a good travel card. Even though the CL might be on the lower side, it'll help with establishing credit as well.
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Re: Barclays Carnival app question?
I'll have to look into the Venture. Never thought to PC to that.
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Re: Barclays Carnival app question?
I could be wrong, as I'm new to travel cards, points, miles... It looks like Venture earns miles toward fights? I never fly, and VERY rarely need to book hotels. Only looking for cruise rewards. Maybe a travel card isn't truly necessary in my case? I can always use my cash back cards.
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Re: *WARNING* Discover Pre-Qualification Hard Pull
Well, I got on credit karma today and it said sometime between 06/29 &7/11 an inquiry was removed from your report! Finally!! I was starting to lose hope! It does suck though cause I agree with you, I'm kinda scared to do their preapproval thing again. But I want their card so im sure I will check it first before i actually apply. Cheers!
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Chase Minimum CC SL’s
I started reading the terms on some of the Chase cards and it lists the minimum SL of each card and different versions if offered. I’m not sure if this has been mentioned before. But this may be helpful when applying for their cards.
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Re: Apply for Amex Plat w/ 75k bonus or wait for 100k?
If you already have an Amex card odds are you will never see the 100k offer. So waiting out the 100k offer not only keeps you from the Platinum it keeps you from any other Amex card as well.
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Re: BOA app thru their app soft pull
wrote:
Too much Fantasy Island as a kid I suspect😜
Seriously I’m so glad I asked here or I would have left a longer trail of hp’s on Experian than the 22 there now 🙄
Well the good news there is not any real difference between having 21 and 22 hard pulls on your report.
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Re: Apply for Amex Plat w/ 75k bonus or wait for 100k?
I say wait unless you spend enough to benefit now from the Plat bonuses. If the card gives the 100k offer next month after applying then you lose but if they don't offer it for 5 years then you might as well get it. It's a risk of potentially missing out on a nice bonus but meanwhile you could be collecting with all the bonuses you could get from the card already.
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Re: Chase Minimum CC SL’s
Where are you reading this? I was looking at the terms for Chase Freedom Unlimited and didn't see it in there
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Chase CSP selected offer - green check
My credit score is around 680-700. I have 8 months of CC history and 5 months with Chase all in good standing. I am getting CSP "Selected offers" on mobile and web with a green check. Two months ago I applied and was denied for the same card.
Is it worth trying again or should i wait until next month when i am at the 6 month mark? I really want this card but I also am concerned about the hard pull. From what I understand a selected offer is not a preapproval, but a green check makes it likely? There is a set APR listed as well.
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NFCU nRewards Secured
Since my wife is an AU on my Discover I had discussed her getting a card and had her apply for the nRewards Secured card while talking to the new member rep on the phone. We had $500 transferred to her savings and had the application submitted. The lady on the phone (very nice by the way) said that it's now in pending status which she said was normal and that we should have an answer back in a few hours.
She was turned down for one of the unsecured cards which is understandable. We are 3 months post DC from our BK7 and are just looking to rebuild our credit with good financial institutions. We started with Discover and have heard very good things about NFCU so we want to establish a relationship with them.
Would there be any reason she could be turned down? Income is good, DTI is good. We are hoping with responsible use we can get it unsecured in 5-6 months and apply for one of their unsecured cards.
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Re: Applying for 2nd Amex?
I have gotten 3 Amex revolvers this year and I only got hard pulled for the 1st one I’ve got. YMMV however.
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Re: Navy Federal Thread for CLI and Additional Cards
Congrats! I can't wait to get there.
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Re: Navy Federal Thread for CLI and Additional Cards
So it finally happened.. I got the letter for my 4th card, and the most cryptic wording i've ever seen in a letter....
EXTENUATING FACTORS EXIST REGARDING YOUR NFCU ACCOUNTS.
I called, and was told that due to the fact i had 3 cards already, i would not be given a fourth. Bummer, but on the plus side my gardening is still going strong since they didnt HP me since i already had 3 accts. Guess the "Unicorn" is really hard to get.
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Re: Navy Federal Thread for CLI and Additional Cards
Crossing our fingers that my wife's NFCU nRewards Secured card application is approved. Still Review in Process.
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Re: Should I wait at least 6 months to apply for a 2nd CapOne card?
I doubt they will pull if he is not at 6 months.
However, I have not heard of many being prequal then denied.
OP - just wait a few months, maybe your APR will go down also.
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Re: Navy Federal Thread for CLI and Additional Cards
Did she apply online or with a phone call? I tried online and then the application process stalled out at the very end. I ended up having to call it in. I was on the phone with them for over an hour and they couldn't have been more helpful and more informed about my MANY questions. I love them already! I didn't want to wait the 5-7 business days for the card to be delivered so I opted for the 2 day Fed Ex delivery for an additional $12. They even waived the $12 fee for me because they WANTED TO!?! That's a first with any company. LOL I should be getting it by Friday I hope. If it wasn't for this thread and all the comments about how happy everyone is here with them then I would never have joined and applied with them. So grateful to you all...thank you!
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Re: Applying for 2nd Amex?
wrote:
My wife 1st applied for the Drlta Gold online, was approved. Then immediately applied for Green Card, screen popped up to call AMEX, she did. The rep had no clue why she was instructed to call and said account was already approved
Congrats to your DW approvals!!!
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Re: Navy Federal Thread for CLI and Additional Cards
She applied over the phone with the new member rep.
Congrats on yours!!
Congrats on yours!!
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