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Found 64 results

  1. I'm pretty new to the credit card game, so bear with me please.... I have a new USAA AmEx (5k limit) and USAA World MC (6k), as well as a new NFCU Visa Sig card (17.5k). All of these are currently in their first billing period - no statements have cut yet. I've been using the AmEx as a daily driver - groceries and gas (2x points) as well as daily dining out, and then every 3 or 4 days transferring enough funds into my USAA checking acct to cover the balance. When the time comes to pay it I'll use the transferred funds to PIF. I understand that AmEx is big on PIF and heavy use, and I want to look good for a CLI in 61 days. The Visa has the highest limit and I plan to use it for "large" purchases (tires, emergencies, etc) that I might prefer to spread over 2 pay checks to avoid overextending cashflow. It'll occasionally mis a PIF by a half amount depending on timing (statement cuts the day I get paid or similar, I'll pay at least half of any major purchase per paycheck) - but I gave myself a ceiling of $1500 on balance so even if it does report it's sub 10% with some cushion, and it's one of the 1-2 cards I'll have to let report anyhow. The World MC is really only for use if I'm resting the AmEx or Visa for a few days prior to statements cutting for balance reporting purposes, such as to keep a pending charge from reporting unexpectedly. I'll pay it off as soon as charges post as I don't really care about CLIs so much on it - if I can get them great but if they disapprove of multiple payments or light use it's really just a filler card for me and the current 6k is more than adequate. My questions are these: 1- I understand that if I let the statement cut on AmEx then they will report the balance. However, I've also read that PIF just before the statement cuts nullifies any points/rewards for that period (if they don't post they don't count for rewards). If so, It seems I have to choose between accruing rewards or preventing the reporting of a balance? Is this the case or have I misunderstood one/both of the above points. 2- Any glaring problems with this overall plan? Keep in mind I'm a total CC noob - these are my first cards other than toy cards in my entire life. I'm still in a rebuilding stage so I'm watching the scores pretty closely while I clear out my last couple of baddies (scores now ranging from 675-700). That being said I'm not looking to app for anything or make any major purchases in the near future so they're more for my own edification and accountability than real world impact. The only significant implication is that I do want to look responsible to AmEx on any softs as I understand they keep an eye in new accounts. I will eventually want another AmEx which will allow me to use C$ for B* (My EQ has about 9 on it and I'm C* due to not knowing about ScoreWatch putting me on the list back when I started out), and the USAA AmEx doesn't offer the service. Thoughts? Advice?
  2. I'm looking to refinance my mortgage soon and I have a few things I'm looking to clean up between now and then. As of the last few weeks one of the last blemishes on my reports dropped off. All that is left are 2 satisfied judgments, when I bought my house in July '12 they were verified with the courts as being satisfied. One of which we had to have them file the paper with the court to report as such, the other was confirmed when my LO requested the doc from the court. Both of these are scheduled to drop off my reports in 2015. Unfortunately both show on EX but EQ and TU only show 1 (ironically they each show the opposite of the other CRA). My first question: Should I try to dispute them or should I try to have them vacated via the courts then removed? (from what I understand in UT I can file a motion to vacate but I haven't consulted an attorney yet).My scores have been ranging in the mid 600's due mostly to high utilization, AAOA and inq.'s. on EX 17 now with 5 from my mortgage gone by end of May, I have 10 from '13 due to an app spree last may and a car I purchased in Aug. 13 on EQ also with 5 dropping off by end of May. TU only shows 2 which were last month and I can B* them if I really need to. I recently, hasn't reported yet, got a huge CLI on my Discover that will drop my utilization there from 90 to 30 and have done some other shuffling to have more of my cards report a $0 balance. The end result should bring my overall utilization near 40% with less of my cards reporting a balance. By the time I do the refi I will have paid more of them down/off so I should be around 20-30% overall then. Side note, long term I'm going to close accounts for cards with high APR's and less than a 2k CL but I'm not closing anything until I have better terms on my mortgage. Pre-refi I am looking to open a card with Navy Fed to BT balances off smaller cards with higher APR's and util but they denied me yesterday (I'm going to appeal but apparently I need to wait for denial letter). I have around 4k I'd like to remove from other cards but 3k would allow me to be sure none of those are over 40% util so I'm hoping to get about a 10-15k limit with Navy. In Aug my 0% intro on my Discover is done so I'm planning to see about opening a card with a 0% BT offer that will give me at least a year to pay that off. My GF and I just got her 0% card paid off today since that intro was up in May and will be working on mine now so I estimate I'll only need to move 1000-1500 over. I realize that yet more new accounts isn't good for FICO but so far it seems to be better than high util and I really don't want to pay interest on the Discover balance if I can help it. I've poured over the Credit Pulls data for the Chase Slate and Citi Diamond cards. I think I can get approved for one of them but I'm not sure and I'll need to wait until about May to be sure all the changes last month and the amounts I'm paying down this month will report. I expect all of that will take until June-July which is ideal for my refi but I'm not sure where rates are going to go. I'd like to wait on my refi because I want to have 24 months of payments on my mortgage and so I don't have to list my old address. I'd like to have nothing to do with that address primarily due to some drama with my old landlord (long story that is tangential to this post). I'm thinking I want to do my refi with Navy Fed. After going through many loan programs offered by several lenders their 5/5 ARM with no PMI sounds really nice since my goal is to drop about $200/mo and it looks like I may be able to keep my current rate for the first 5 years. I'm sitting at owing 192k and the house is worth about 230k so I'm really close on LTV. When I bought the house I had to use a local program that offered 100% financing and the first is FHA so I'm stuck with PMI for at least 5 years (I was fortunate to not get caught with the new PMI rules). So my next question is: Can anyone tell me about their experience getting a mortgage through Navy fed?To make a long post more of a novel... I tried to cover any questions that might come up but my general question is for advice. I'm really trying to restructure my debt while I pay everything down/off and the house is the biggest hurdle that I think I can make a bit lower.
  3. So I have a question regarding taking advantage of a balance transfer offer on my new NFCU Flagship Visa Sig account. There's an offer of 0% APR on BTs for 12 months. I've never used a credit card for the purpose of doing a BT so I'm just trying to get an idea of how it works. Say I want to transfer a balance of $280 onto the card but before the transfer is actually completed/posted I have a payment due on the account for $30 and I pay it. Will the transfer when it goes through just be auto adjusted to the current balance on the card that I'm transferring from? Or will the overpaid amount be held and applied to future purchases? i know this is probably a stupid question but again, I've never used a credit card for balance transfer purposes. thanks for the help in advance!
  4. So I told myself I would be staying away from apps for a while but I received an email on the 24th of feb saying I had been pre approved for the Flagship Visa Signature Rewards card. I immediately got excited and started the app but then realized I had added a few inquiries by applying for navcheck and discover it (which I got approved for with a starting limit of $1800) so I was hesitant thinking my score might have been higher when they checked for pre approval qualification vs dropping a few points from recent Inqs. But then I figured wth and filled it out. Waited a couple of days and kept checking the status and it said review in process. Finally three days after submitting the app I got a phone call and they needed income verification. After a super friendly phone call the lady said she sent my app back to a credit and lending agent and I should check back. I knew it wouldn't get a decision over the weekend so I didn't check and then I figured I'd give it all of Monday (today) and as I'm eating dinner I realized I hadn't checked the status for a while. Logged in expecting either a denial or review message and lo and behold approved for the starting minimum limit of $5k Plan on taking advantage of it for BT purposes and to help with util. This is one of my higher limit cards and lowest interest rates so I'm pretty excited. All the rebuilding work is definitely paying off.
  5. I am getting very close to applying for a Navy CC. Just waiting for my utilization to drop a bit more. I have a lot of old CO's, all too old to collect on-Arizona when the SOL was 3 years. BUT, I know some CA's will try to collect claiming 6 year SOL, and they will all be 6 years in 3-6 months. No employment history has been listed on my reports for years, so...I am wondering if I pull the trigger with NAVY, will they list the employer I put down? Anyone have any experience with this? Thanks for your help. Prosper
  6. Opened NFCU on 2/11 - 2/12/14 Applied for the following: 1) NavCheck 2) Signature Rewards 3) HELoC Here are the 5 HP inquiries generated, is this normal? 2/11/14 Navy FCU (Finance other than personal) - TU 2/13/14 NFCU/Visa (Finance, personal) - TU 2/14/14 Equifax MTG (Misc. & public record) - TU 2/14/14 Navy FCU (Credit Unions) - TU 2/14/14 Navy FCU (Credit Unions) - Equifax
  7. Now that I am finally able to join, and since they have a new promotion, I signed up online this past weekend. By Monday, I had an account set up. They must have easily been able to verify my contractor status with DOD. I had some problem signing in, and a few calls into Navy and it was fixed. Today I called and spoke with their credit department. They had offered me a secureed card. I explained my situation to gentleman, stating I knew my score would be a bit better in a couple months as I pay down my utilization, and wanted to wait until then and apply for an unsecured card instead. He didn't try to get me to make an app now, he seemed to understand about inquiries and how they affect your credit. He did thoroughly explain the secured card program. He seemed more interested in my credit goals than in him making a cc sale. Then later I checked my accounts, and the opening bonus has already been put in. Everything about this CU seems right, and I intend to make it my lifetime banking relationship. So glad I got in. I can see already by my service experiences why you guys are all so gung ho about Navy. And I think my days of credit ***!x) ups are truly behind me, the last big chunk of mistakes will all start falling off in the next 6-18 months, and then I will be perfect again. Thanks Credit Boards!
  8. Greetings, I have been with NFCU around 8 months. I have carried a balance between $2000 and $3000 for about 6 months. I have 13 trade lines and NFCU is the only one I carry a balance on. We hope to use NFCU for our mortgage soon and figure perhaps I should treat them with kid gloves until we get it (by PIF every month until mortgage is secured or doing a balance transfer). I just got approved for the OCCU beaver card (20K) and apped for the Duck yesterday as the rep said if I got one, I'd likely get the other. I am considering using one of the OCCU cards to do a 0% balance transfer from the NFCU card. How would NFCU feel about this? Would it look better to them that it was paid off, or would it look worse because I am just shuffling my debt around and depriving them of the interest they have been getting monthly from me? What would you do? Should I do the balance transfer and keep NFCU clean until mortgage or not transfer and keep paying them off at the speed I am capable of (a few hundred per month or so)? Thanks in advance, SG
  9. Sorry if this has been asked before, but I couldn't find the answer on either search... I would like to add my children to my NFCU CC as AU's to help give them a boost as I won't carry a balance (if in fact it will report whereas it's non-spousal). They live out of state, and I don't actually want them to have the card. If they open a savings, and I add them as an AU, will they ship the card to my address or theirs? Figured I would ask before having them sign up. I trust them, but crazy things happen, and I don't want to chance someone getting ahold of the card.
  10. I requested a line at the 15 k max. Today I received a message it has conditionally been approved. I called a rep and they indicated I just needed to send over two pay stubs.... The email did not state if it was approved for the full 15 K. Does this mean after they receive the pay stubs that they still may do a counter offer? Thanks!
  11. Soooooooo...a few weeks ago I had posted regarding the 3-5 day message from NFCU regarding a limit increase to my card that is already pretty high util due to some unexpected circumstances that required flights home for my family. I had only asked for $500 in hopes of not seeming too greedy and the next morning after receiving the message I noticed that my limit was in fact increased from $4500 to $5000 The card has since been paid off in full finally and for the heck of it I figured I'd ask for a larger increase. Lo and behold I received immediate approval for an increase to $7000!!! This is pretty high for me considering most of my cards are retail store accounts with small under $1k limits. Working on paying the rest of them off and letting them age and using them for small purchases just to keep the accounts active. Because I'm in the process of moving all of my accounts and financial business over to NFCU I also decided to app for the Overdraft Protection (I think it's what everyone calls NavCheck?) and was immediately approved for the $3k I asked for. My scores are still waaaaaaaaaaaaay below where I want them but hopefully as I pay more and more things off over the next year they'll keep getting higher and higher and I'll be able to app for a home loan with NFCU in Spring of 2015. To anyone struggling with rebuilding credit: I'm right there with you. I haven't had any BK or anything like that but I've made some stupid financial decisions and stretched my limits and had a couple late payments and temporary unemployment so I'm currently sitting in the 590's across the board. But I'm starting to see the light at the end of the financial destruction tunnel thanks to NFCU lol don't give up!!!
  12. So yesterday I requested a CLI on my nRewards cc with Navy Federal and got a 3-5 day message. I figured that meant denial but logged in today and saw that my limit was in fact increased. A little background: quite a few inquiries from credit apps (working on rebuilding my credit started about 1 year ago) have brought my score to 626. I have a steady job, haven't had a late payment in 7 years, and on balances I don't pay in full I always pay triple the minimum. I have a few items that are paid off and some that are used for small purchases to keep the accounts active but my nRewards card with a limit of $4.5k had a balance of $4k on it. I've had the account for i think about 8 months and have had several unexpected expenses (this card is reserved for emergency purposes and had to fly my family home due to a medical situation). I requested only a $500 inc. because I didn't want to appear too greedy with a limit that's already borderline maxed out. I don't have anything I need to use that inc. for, it's more or less just to increase my available and for peace of mind purposes. Stated above i got the 3-5 day message and figured it was a dreaded denial letter but surprisingly enough I logged in to make a payment on my cc and it was increased. My question: should i have asked for larger increase instead of wasting an inq. on such a small amount? do any of you have experience having been approved for a small inc. and asking for additional and being approved with the nRewards or any NFCU cc?
  13. I just got my DOD contractor badge, for working on a base, and I called NFCU and I am eligible! Yay! I've been wanting this CU for a long time. I know they recently (last summer) had a sign up and get 100.00 bonus, but it doesn't look they are having anything like that now. My job should last at least a year, so I can wait a bit even though I am eager to join. Anyone know their history of bonus programs?
  14. Does anyone have any idea what FICO score NFCU is looking for to lower your interest rate to their best 9.9% for their signature VISA card? I currently have 16.99% and would be interested in any antidotal evidence of others getting lower rates for a given FICO score. The credit pulls database doesn't seem to have any data on this topic. I asked the NFCU CC representative and they told me they could not state so given that they believe they are held to a federal law that requires that they do not influence my decision as to whether to apply or not for the reduction as telling me the guidelines could influence my decision to apply since they knew I was considering applying. This seems like a really lame federal law, I wonder what it is and if all lenders interpret it this way? I mistakenly suggested I should call back to ask and they said they would notate my account so that the representative would not abide.
  15. I've been checking out the love that Navy Federal has been spreading lately and figured I'd see if DH could get approved with them. His credit isn't as damaged as mine, therefore, my focus has been on cleaning up my own more than his. He has a Victoria's Secret ($660) that I use, Belk ($200) and is an AU on my Cap 1 Secured with a $300 limit. I have no idea what his score is but I know he is in the high 500s, maybe low 600s. Anyway, I pulled the trigger in the nRewards Visa this morning and BAM! $5k approval! I added myself as an AU because I could really use this to lower my own utilization. They must be feeling generous or something being that this is Veteran's month! LOL
  16. Okay, so when I met my boyfriend back in January, he had NEVER used credit and the only pulls he had were from Comcast, which they stated he had none, obviously. Since then, I've gotten him signed up with NFCU, USAA, PenFed, and Nasa. He has 2 cars and a LOC with NFCU along with a paid and closed personal loan, 3 cards (one being amex) from USAA and a car loan, alone with being an AU on his father's usaa Amex, one Discover, 2 GEMB accts (Walmart and CareCredit), Firestone, and the non-reporting BillMeLater. He's now hovering just below the 700's, primarily due to low AAOA and inq's. I'm working on *B. We'll be adding two AU accounts soon to up his AAOA. Okay, so that was just bragging because it's been a "crafty" road over the last 7 months to get him where he is. Question really is, he just got the NFCU goRewards card, we just activated it a few days ago. Now they're advertising 15k bonus points. Should we even bother trying to ask for those bonus points since it was only a few days difference? That's $150! IF it is feasible, would it be okay to use the secured messaging feature to request this? He is horrible with all of this and honestly has no idea what is going on, I do it all and I can't talk for him on the phone. Just wondering if it's worth it.
  17. First I would like to say love you credit boards! I am thinking about freezing Equifax it is my lowest score only 595 my Transunion score is 685 with one paid baddie. I want to apply for a credit card maybe with NFCU I already have a secured card with them but I want to get a unsecured card. NFCU only pulls from EQ so I was thinking about freezing my Equifax account so navy would pull from Transunion. I was also thinking about Barclays NFL or discover in Ideals would be appreciated I live in VA and I have already check the credit pulls database. Should I freeze EQ would there be any adverse reaction that I don't know about. I cant find a lot of information about this on credit boards.
  18. For anyone who's interested. Found it on one of the main page banners. "Special Offer: Get 60,000 points when you spend $3,000 within the first 90 days of opening your account. That's enough for a $600 ticket!"
  19. Hello to everyone. I’m going through the process of buying a home. I did a pre-qualification with Navy Federal back in July. We really couldn’t find anything we were that interested in and wondered if we should wait until our credit is a little better. We’ve been rebuilding over the past year and have really crossed some hurdles. As it turned out, we found a house a couple of weeks ago. We made an offer and it was accepted. So, we did an application over the phone with NFCU. By the way, they have the absolute best people working for them. I spent over an hour chatting with the girl taking my application. She was so helpful and inspiring! Next, I was contacted by the LO with an email asking for some info on employment (we are self employed), and an explanation letter regarding a couple of charge offs on my husbands report. They also wanted an explanation letter for that as well as inquiries in the past 120 days. My middle number was 695 but my husband’s was 658. I didn’t realize that they base it on the lowest score. So I sent everything to her and waited on pins and needles. I finally called her on a Friday just before they closed – (about 3 days later) and she told me we were approved! I was beyond happy. She gave me a long list of the things she needed (taxes, rent contact information for the past 2 years, bank statements. I got nearly everything ready over the weekend and started sending on Monday. Later that week, I was contacted by a processor, who asked for more information – 1099s , explanations for every address on both our credit reports and a few other things. I got all of those together as quickly as possible and sent them to her. Now comes the waiting game and let me say that it is harder than waiting for an overdue baby to be born. I literally can’t sleep. I check my email a few hundred times a day and find it nearly impossible to concentrate on work. I did hear from my realtor that the appraiser came out this weekend but I have heard nothing about it. Does anyone know how long the appraisal process takes? How long before the credit union gets the info before I hear? I have a million questions. I also keep wondering if there is any special meaning to the appraisal being ordered. In my heart of hearts, I really want to believe it is something positive relating to the loan – like they feel it might turn out okay??? Hopeful! Or is it just another step in the process. I have no idea where I am at this point and don’t want to call and bug them. I must say, they have the nicest – most professional people working for them. My loan officer was so incredibly nice and helpful. I feel as if I’ve made new friends – which is a far cry from what I’m sure the old stuffy banks would feel like. I’m just really looking for any info anyone can give me on the process – especially if you have dealt with NFCU doing a mortgage. I have nothing but wonderful things to say about them in regards to checking, savings, credit cards and LOC. Until I hear something, I am in the process of reading every single post on every board I can find about the mortgage process and everyone’s experience. This is a great board. I’ve taken my scores and reports to places I could not have imagined a year ago. Please keep your fingers crossed for me that this will be my next giant step into home ownership! Thank you! P.S. Would love to hear your thoughts and where you think I am now. We are scheduled to close on October 14 but I would love to do it sooner. We have a lease that is up at the end of this month and we really need to let our landlord know by the end of this month. I’m hoping to get some sort of answer by then.
  20. Hello, Long time lurker, first time poster. I recently signed up and was accepted over the phone as an eligible member for NFCU - my grandpa (now deceased) was in the Air Force. Knowing what I've read on here, I know to expect an audit anytime...probably sooner than later. That being said, I've tried to get my ducks in a row - I've tried to request an official copy of my grandpa's DD214 - I received a notice stating that his records were one of millions lost in a fire back in 1973 and that they weren't recoverable (apparently there is a date and last name range that identifies that). All I have is a very worn hardly legible copy of his DD214. When (not if) an audit occurs - what is my course of action? I'd like to have everything ready to go - is there some other way I can get these records or do they (NFCU) have some other means of verifying? Thanks!
  21. A little baffled on this one, would like any and all input. Visited local branch on 8/19 - indicated I would like to become a member and open a checking and savings account. Member service representative asked how I was eligible - I mentioned I thought my grandmother's service (now deceased) would make eligible and showed a copy of the DD214 to confirm. Representative looks it over, says no problem - proceeds to open account. Was suggested I apply for a CC - immediately approved 25K. Representative also suggested perhaps exploring refinancing of a vehicle - would be the same credit pull. Said sure, approved instantly. Asked if I wanted NavChek (apparently what they call their overdraft LoC) - said sure, approved instantly for 2500.00. Fast forward 4 days later - can no longer sign into accounts - website says I don't have any accounts. Was directed to call Member Services - said there we're questions surrounding elgibility. Was transferred all over the place and apparently landed into some department - Risk Management/Security. Was upfront and honest about everything (just as I was when I opened the accounts) - was requested to fax in the DD214. Sure no problem - did so. 24 hours later, I call back - claim they never received it. Faxed it a second time - called back a few hours later - claim they STILL didn't receive it. I offered to e-mail it to them - but apparently they aren't equipped for that. Faxed it a 3rd time, was received but not legible. The 4th time (now 3 days after account frozen) was the charm - fax received but after reviewing the decision stands. I'm baffled - and even more confused now regarding the title work on my vehicle (in the middle of the refinance). Not exactly sure what triggered the events - perhaps the age of the account or quantity of accounts. Regardless - I am tempted to go speak to the branch manager but that's a 2.5 hour drive away. Not sure how the representative who viewed the form and said no problem - how her decision apparently was either inaccurate or overruled. Anyone been in this situation before? And yes, still frozen from the accounts - luckily my DD hasn't been moved yet.. Thx Mark
  22. I'm 37. My story: I first went through my credit repair journey back in 2003. In the mid 90s, having just becoming an adult and venturing out into the world on my own, I did the usual stupid stuff. I took would I could for credit and then struggled to pay it. I blew it all off and then start to clean things off in 2003. I was clean by 2004 and completely debt free. I was a mature adult at that point and thought I could responsbly handle some debt. I was half right. I got some Amex cards with good limts. Then came a divorce in 2005. I was going through a promotion process at my job and not making that much during the transition. I lived off the cards and finally couldn't afford the payments. I had not choice but to default. I did not declare bankruptcy. Around 2010 I remarried. My income was (is) up substantially these days and my wife makes good money too. But those bad marks hurt my credit. I had considered trying to get some deleted but I just don't have the time. I had my reports and knew much of it was falling off (7 years) in 2005-2014. Most by this year, 2013. I started the rebuilding process again with some subprime cards and a subprime auto loan (Santander) back in 2011. At the beginning of this year I tried applying for some more cards and got turned down. Much of the bad stuff did fall off but I guess lack of credit and a few remaining blemishes were the cause. I went to Cap One corporate office (thanks to this site) and managed to get a $250 increase to $750 on that card. Eight months ago I bought my wife a new Sorrento under my name (her credit is worse). I got approved for 14% through Hyundai. A little better than my other loan ($8k) with Santander, which is like 17-18%. I finally joined NFCU after reading all the raves on this site. I have driven beater cars (happily, BTW, I have a great guy that does repair work out of his garage) since 2003 but my wife knew I dreamed of owning a muscle car like I did back in high school. I was planning this purchase for 2014. On a whim, I figured: Lets try for third auto loan with NFCU, though I figured it was unlikely. I have paid down my $8k loan to $3500; not wanting to do the full 5 years with Santander. Surprisingly, NFCU approved me for $42k new loan at 4%. Wow. I just bought a 2013 Camaro Convertible last week - one of my dream cars. I'm so excited about it. I figured I would try a credit card with NFCU, too. Approved - $6k at a respectable APR. I figured let me try to refinance the $3k loan for 1st car loan - Approved - 5% (from 17-18). I figured let me try to refinance the second card loan (currently at 24k) - Approved - 5% (from 14). Good stuff. They are getting all my business now. I'm about to change my direct deposit over to them and will use them exclusively for all my banking. They sent me note stating my score is 650, for those interested. I have been with my job 12 years, which probably helps a lot too. Last year my score was 540. Next up: A house. That is still a few years away but I'm hoping to go NFCU.
  23. Ok I have been trying to figure out how to keep a balance of about 10.00 on my card when navy reports to the credit agency. My card is set up to pay the bare minimum on the 13th of every month. Credit limit 700.00 due date the 17th last statement date 20th last payment post date 12th I would like to have a 10.00 balance when NFCU is reporting to the collection agencies, any suggestions.
  24. I absolutely am going nuts with the waiting game. I apped for nrewards over the phone on Sunday the 2nd. So yesterday, I got a message that they wanted my tax returns, ss card and state id. I recently had my name changed to my married name so my DL still shows my maiden name although my social has my new name. Today, I got a call. I was so nervous. Still am. The girl was very nice and told me that my photo id did not match. I explained as best I could and told her I could send her a copy of my marriage lisc. showing my old name and new name, etc. She checked with someone and said I could do that. So I did immediately and now I'm in the waiting game. I called in to make sure they had my docs and they did and the person told me to give them 24 hours. I honestly can't concentrate on anything. I am checking my member login hourly. I really want to be apart of their family so bad. I've started rebuilding my credit over the past few months and this would be my first real card. I have the Cap 1 with a $300 limit. They did a hard pull on EQ (675 FAKO 663 -FICO) and then another Hard on TU (656- fako). Does anyone have any experience with sending in the docs. By calling and asking for the identification after sending in the other, does that mean the tax docs met their approval? Waiting game... is so hard.
  25. Just saw where they are doing that promo again where if you refer your family members you both get $50 bucks and if you refer friends who are eligible you also both get $50 bucks. The last time this happened that I remember (about a year ago) I made $200 dollars that they put in my account. ******************************************************************************************************************** Refer friends (must be eligible) and family for membership, and you’ll each receive $50! Use promo code “50FORU” when you refer an eligible friend, family member, or fellow servicemember for membership. Click here to learn more: http://bit.ly/1cs1yce

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