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  1. So I noticed more details on my internal NFCU score... the factors that were adverse to my score were: banking activity (I dont use NFCU as my main bank so barely any money passes through), direct deposit (i have no direct deposits), no retail cards (I guess this means a store card? what a pathetic reason for a ding)
  2. they were pretty good when they were much more loose/generous with limits and were regularly offering 0/0 BT offers for existing cards
  3. thank you, yes at first I thought the CSR didnt know what she was talking about but I also got the same answer in secure messaging. I will try again over the phone when I get the card. This sucks though as I rather have been denied than waste a new card slot on a measly 1K card and the only reason I got it was to take advantage of the 0%/$0 BT offer but thats basically useless with a 1K limit. While on the subject with NFCU is there any possibility they keep tabs on what the rest of your family does? Through my membership a bunch of my wife and I's extended family joined and from I hear they been racking up delinquencies and probably even charge offs/collections. I know its highly unlikely and probably illegal but in the back of my mind I wonder if that somehow plays a role in how they view me as a member because over the years it seems like I havent got any love from NFCU despite never having any negatives on my credit profile.
  4. I recently applied for the Visa Platinum, already have the MC with 30K limit and only got 1K limit. FICOs are above 720, no negatives, < 20% revolving utility, 250K+ salary. I had requested CLI about a year ago and got some message saying I maxed out the credit NFCU was willing to extend me. I called and asked can they atleast shift some of my limit to balance them out and they said they do not. Should I request a CLI on this card now or just wait? Thanks
  5. I closed a mortgage refi in September. TU and EQ already report it closed. Checking EX and it is still on and last updated back the 390Kish balance back in July. Any insight what could be happening here? Is there anything I could/should do to expedite this reporting correctly? I want this shown as closed asap (long story but legit reason why) but I dont want to mess around and have this long history positive tradeline get dropped off my report completely. thanks
  6. Dang didnt know BofA was so generous with CLIs. My oldest card is BofA from when my Charles Schwab 2% card got converted to BofA and over all these years and excellent credit they never gave my an increase... I guess I have to request one.
  7. PNC does 55% max DTI loans and 620 min FICO
  8. thanks again for the info. Relative paid down their balance to just below 89% and while Credit Karma didnt show much movement, he had a much better than expected credit score when he applied for his car loan. (60ish point difference)
  9. yes totally agree with getting cards that actually provide value than just being useless place holders. Forgot to mention that I plan to finally reup for the citi dividend card that I foolishly let get closed due to inactivity because it went through a rough 3 quarter stretch of weak categories yes I was looking at CK AAoA. I did recall that closed accounts should still contribute to AAoA but thought since it dropped on CK I just assumed that credit scoring algorithms must have changed
  10. I have great credit but recently my AAoA took a hit when my oldest accounts: 12 or so student loan tradelines were finally paid off and closed. I recently did a mini app spree after I hit my 5/24 quota from Chase so this is as good a time as ever to seed up some cards that I plan to keep open forever to collect a long aged history so I can continue to churn a majority of my other cards for sign up bonuses. my first thought is NFCU... I already have a platinum with them... is there a max card count and total credit across all their cards that they are willing to extend to a customer? there's also some store cards (Target and Kohls) I always wanted to have but never felt like burning a inq and new credit line on Also when opening a new card is there a rule of thumb of how long do most creditors consider it a "new card"? Hopefully I wont be at risk of the "too many new tradelines opened" denial excuse for more than 1/2 year.
  11. thanks again. Does ratio of 0 balance cards help? My relative has balances on 4 out of 5 cards so Im thinking of adding him as a AU to a few of my cards which will should help overall utilization and also change ratio of 0 balance cards to 4 out of 8ish cards.
  12. wow great intel thanks. Im a big ebates user but didnt realize there's cashback at giftcardmall. Anyone use that Alliant 2.5% cashback card that gives 3% CB and $100AF waived for first year? Ive been an alliant member forever but never got a card with them. Says its a "high spender" card but dont know how aggressive they are to MS activities. But 3% +3% giftcard cashback would be crazy good, just need to dush off my bluebird and figure out a way to efficiently liquadate. And then even after the first year 2.5% + $100AF is still very good... only need to churn about 1667/month to break even on the AF when comparing the Alliant card to a flat 2% CB card with no AF.
  13. I prefer cashback but I go for the most efficient rewards value return I can get
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