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Everything posted by hyp0luxa

  1. Looks like you really thought all that through. All of those are very nice accomplishments. I aspire to have an NFCU mortgage someday, & I wish that I could get a sub 1% auto loan. I prefer electric cars so I can't really get anything close to zero percent financing all in all though that I like. I like the BMW i8, but a bit pricey for me. The whole point of having an electric car is mostly to save money lol if you can afford and I ate, then you don't need to worry about gas prices lol I have been very happy with my FIA American Express 2% card.. One of my favorite accomplishments. Some places don't take Amex though, so I had to get the city double cash for those instances [emoji14] Yeah, my goal all along was to get a mortgage, but along the way I got bitten by the rewards bug, and then the high limits bug. When I joined this website my FICO's were below 600 across the board, now I'm in the high 700's / low 800's I pretty much got the FIA AMEX for SERVE
  2. Fidelity AMEX 12k NFCU Mortgage (0 Down 5%) BMW Financial Auto Loan (0.9%) AMEX Everyday 3x to 18k Citi Dividend CLI +3k
  3. Has anyone done a PC since 3/21? Did you keep your D*? I was planning on cancelling my PRG when the AF hits but now I may try to PC to senior green to keep the age. my msd is 1977! But I really have no use for the card. I got to open the door with AMEX, D* and for the bonus
  4. NFCU Homebuyer's Choice 100% Financing Mortgage Approved 225k @ 4.5% / 30Y Scores between 761 and 776 based on disclosure 23 Inq on TU, 25 on EX, 3 on EQ 2 Accounts newer than 6 months 3 Accounts reporting balances Highest Util 10.93% Overall Util 0.82% AAOA 6.2Y Have 25k CC and auto loan with NFCU for 11 months
  5. understood, thanks to all who are risking IBS in the name of science
  6. Elmer's Intense Diner wants me to pay a cover charge Would like confirmation that their Banana Pudding is good before committing
  7. F* 21 INQ's previously B* back on Barclays TU FICO dropped exactly 20 Pts Found this out AFTER I submitted NFCU Mortgage App
  8. I had success filing a complaint with the CFPB. Prior to that I had tried everything to get child support off my reports. Different state, and different circumstances but def. worth a shot.
  9. Citi Dividend SP CLI (luv button) + 1,600 to 8,300 Account is just under 6 months old I'd been checking for SP verbiage for the past week
  10. Decided to go for the Barclays Sallie Mae Instant 10k approval Now I'll be able to pull the trigger on huge amazon cart I've been stalling on due to no rewards
  11. AMEX Everyday / Everyday Preferred if you do a lot of in-category spending. Both of these cards use the same MR point program and can transfer to travel partners. The Everyday has no fee, the Preferred does, I think it's 75/yr.
  12. http://www.vice.com/read/i-fixed-my-credit-by-day-drinking-120?utm_source=vicefbus
  13. just got there myself, Nirvana... but some of it is secured and some of it is AU so it doesn't really count. glad to know about BofA CLI's... didn't know. Is there a time limit involved?? I'd wait 6 months between requests Even though it's always a HP
  14. http://www.wsj.com/articles/credit-counselor-has-ties-to-high-interest-lenders-1421119983
  15. BOA Cash Rewards luv button 6k -> 12k (got 7-10 day msg, CL showed up about 2hrs later) No HP yet on BD it was 8 months since last CLI on this card
  16. Got a 3x CLI on my AMEX Everyday 2k -> 6k.. only took 151 days
  17. All that time and money spent at the post office paid off
  18. This is the new version of the Barclays Apple Financing card. Just call in and they'll upgrade you. No pull, no new TL It basically just adds a chip, and rewards redeemable for Apple gift cards Financing offers are sent periodically
  19. So far this is the 3rd Amex Amazon offer I will miss out on :/ Seems like I get all the common offers but never anything from Amazon
  20. Fortunately it didn't post as a cash advance And rewards were earned.
  21. I had my Cash Rewards linked to Serve for awhile for Bill Pay Switched my linked card to CSP to meet min. spend Today I switched Serve back to Navy and it was recognized as a debit card Added as debit, test loaded $1. Doesn't appear to have processed as a cash advance yet Have to see if CB earned when it posts
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