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MegaDebt
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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
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NFCU keeps getting better and better. credit karma has Equifax @ 695 NFCU fico 9 Equifax @ 740 thanks for heads up.
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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"
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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
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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.
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I'm on the NFCU train and I ain't getting off.
MegaDebt replied to OmniCamaro's topic in Credit Forum
congrats. i told my co-worker about it. he got a 23K visa signature CB - dude was blown-away. -
That's how I started last year. Congrats
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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
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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.
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Now I feel sad about my optimistic credit outlook. Sitting on 2 cap1 card and they got me to where in at.