needcredithelp

Thanks great job

So I was feeling a lil down today about my declined auto refi. So in between reading here on CB I logged into my Cap 1 account and Bam!!!! I see they gave me a CLI I went from 2200 to 3500 . I ask for lower APR, no AF and CLI on both of my cards I don't see one on my card.

Discharged in 2/13 ...... They did decline my refi but the assistant manager call to tell me about credit card option, she told me that they had all the info she need to send to underwriting department she even ask me what design I would like on my card. Now waiting again. She also said that UW said to give it another year for the refi. I told her another year is to long to wait to refi my car loan and that I really would like to do it with them, but I cannot wait another year and she said she would see what she could do. I was feeling a lil down today because it seems like I can't break thru from low limit and high interest rate. BUT I log into may cap 1 account and BAM I got a cli from 2200 to 3500 I had ask for a lower interest rate, no AF and higher limits on both cards..... one so far. I just really want to break thru to 5k limit.

I'm still waiting for an answer on my car refi. It's taking so loooonnng. But there was an holiday and a lil snow storm hope they will be as kind to me.

Looks like they are teasing you

Does the EO give instant CLI over the phone. I'm trying to GO BIG, but they keep trying to hold me back.✋

Congrats!!!

I just called the EO and she said someone will be contact......she said she was going to put in my request. I ask for lower APR,CLI and a card with rewards think I ask for to much. I have Cap1 the silver one my limit now is 2300 I ask for 7k total so 5k and my Cap1 platinum is 300 I ask for 4k. Now I wait

Yeah NASA approved me!!!!!!!! I know I'm just happy. I talked to and nice woman who is the Assistant Branch Manager. Sending in my payoff paper work and pay stub tomorrow. Hopefully I'll have an answer tomorrow. Thanks again for all the info in this thread. Hope they approve my refi since DCU declined me😔

Hey nursewithbadcredit I'm obsessed as well. " Hi my name is needcredithelp and I am addicted to credit scores" good luck on your journey!

OK just a lil update DCU denied me saying that I had a Chex entry which I PIF and they won't accept the letter Chase gave me, they want Chex to update and reapply, oh and unfreeze I think EX. So I called Chex and Chase. They both says 30 days to update. Still waiting on NASA they received my FedEx and customer service rep said it is in the stack to be processed. Keeping my fingers crossed. I really want to refi my car loan with one of them .

thanks for the insight I have my EQ,EX on ice....but for them I will open the gates, my EX is my highest score but have a lot of inq's. my EQ is in dispute mode. I have no inq's on TU or EQ

That would be great but!!!... I have a BK that's the reason I applied for both (the boards says they are BK friendly) so 5k would be great to start. I have low limits cards and would like a lower interest rate as well as a break thur limit, and lower interest rate on my car loan. my highest limit now is 2300 on my CC.

Hopefully that will happen to me!!!!!!! Sent in my docs on friday to NASA and uploaded my docs to DCU today.

Good evening all, I am opening accounts with DCU and NASA and want to refi my car loan as well as apply for a CC which should I do first. Also which do you feel gives better rates. Thanks in advance!