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MegaDebt

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  1. Cap1 Plat last year this time, same card starting limit $300 1st credit step increased to $400, next step $750, now love button take it to $2250 more fako money
  2. NFCU keeps getting better and better. credit karma has Equifax @ 695 NFCU fico 9 Equifax @ 740 thanks for heads up.
  3. Captial One buypower card 0% intro 12months 5% on first $5k 2% after that No AF What are these "earnings" points? "Earnings are on on purchases only and cannot be redeemed for cash, statements credits or any cash equivalent"
  4. Not looking to "shop" application all over town. I have 5 inquires , 4 open account. Ex,TU clean, EQ has a foreclosure set to drop 2018. NFCU $14k CC & $15k CLOC. Cap1 sliver $1k and cap 1 Platinum $750. My plan was getting the lowest out the door without having to "run" my application. As per captial 1, I am to tell the dealer to submit my application to cap 1 in order to locate my offer. I don't plan on applying for any other addition "credit" . 3 years from now I my be in the housing market for a duplex. But for now a car is all I need. Thanks
  5. I've been pre-approved/qualified for 35k , 3.4% rate, 60/72 month auto loan from captial one. Their auto navigator site has a few 2017 Toyota Camry CE for $19.5k, w/ tax, tag & registration. I'm guessing it would be shy under $21.5K with dealer fee & docs. A redesigned Camry is set to launch this summer, is it realistic that the 2017 will get any lower? I would pull the trigger if I could get it for $19k out the door. Btw, Cap 1 auto navigator seem dummy proof, but how accurate are their " authorized dealer prices?"; If I login to their website and sort by lowest price, I find a bunch of 0 miles Camry's for $20k, yet , most are north of $22k when I'm not "logged in". I'm in South Florida. All local dealers online pricing have the model/trim/color all over $24 asking price. I don't plan on getting dealer financing unless they offer a rate lower then cap1 3.4% , zero down. Is this deal the best I can get without haggling? Will the released of the 2018 drop the current years price? I plan drive her till the wheels fall off or gift to my daughter in 4 years onces She's out of highschool. Thanks for any input and advice.
  6. congrats. i told my co-worker about it. he got a 23K visa signature CB - dude was blown-away.
  7. That's how I started last year. Congrats
  8. finally joined NFCU: cashback card $14,300 - TU 712 - 24hr review - 2hrs later got texted "Approved" Checking line of credit $15,000 -EQ 712 instant approval
  9. applied Monday, emailed and faxed: 2 forms of ID, Utility bill, Application, Email confirmation from Navy league $25.00 San Diego membership (no membership #) yesterday , Hard pull from TU around 8pm), 12:am welcome email from NFCU. called this morning for Access #, set up online account. thank you all for the knowledge and best practices.
  10. Now I feel sad about my optimistic credit outlook. Sitting on 2 cap1 card and they got me to where in at.

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