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A year ago
Thu Jun 15, 2023 8:31 pm
NoMoneyNoHoney
Seasoned RebelNeed BTC card
NoMoneyNoHoney has passed the 12 month threshold!
No scorable inquiries on file!
No scorable inquiries on file!
Great news, got my FICO to the "very good" category!!
Fico8 Experian is now 748, TU 746 and EQ is now 762....
Problem is its only gonna be temporary. While i did pay a ton of money out of pocket this month I also did a ton of balance transfers. When NFCU visa reports on the 24th of this month it will show big almost maxed out balance from all the balance transfers.
For just next 10 days I'll be barely under 30% aggregate utilization and every card is under 30% individual utilization
My plan is to try to get two more 0% balance transfer cards in next week before NFCU reports. My GF and I together earn almost $295K in annual income so DTI ratio should be ok. I have 26K in CC debt and 98K in available credit (until NFCU reports). I have around 22K in loans that are around 50% paid off and some student debt too.
I need a credit card that likely won't check POI since part of my income comes from a cash biz and the other part is an employed job. I have a long credit history so usually they don't check but I was hoping to get some advice on who to apply to since I only have two bullets left.
Discover is what I"m leaning towards for one of the cards (I already have one but I paid off most of it). I want to apply for PENFED for the second card but not sure if they'll want to verify income. Ive been a member of PENFED for 6 months now (checking and savings) but no offers from them (my credit wasn't so great when I opened up the savings account in January). WHats chances PenFed asks for income verification?? Like 99%? or would it be a 50/50 gamble??
If not PenFed how about BofA or something else?? Can't be NFCU or Chase. Most CU's ask for POI.
I already have two inquiries on my TransUnion so thinking it might have to be an EQ or Experian card.
Only a week left to get those balance transfer cards, any advice??
Click images to enlarge them.
Cards: 2 Discover's, 1 BofA , 1 Chase Freedom, 1 CITI double cash, 2 NFCU platinums, Venture, Capital Quicksilver, Capital QuicksilverOne,
- Tagline Need BTC card
- Score data EX 757 TU: 742 EQ: 750
- Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NO-NEW-ACCOUNT
- AoOA 20 yrs
- AoORA 20
- Date of Last Inquiry and/or New Account Opening January 1st, 2023