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2 months ago
Sun Jul 07, 2024 9:14 pm
NoMoneyNoHoney
Seasoned RebelNeed BTC card
NoMoneyNoHoney has passed the 12 month threshold!
No scorable inquiries on file!
No scorable inquiries on file!
Ok, folks, after a lot of maneuvering, hard work, savings, praying, I finally got my credit looking good again!!!
Experian FICO8 = 759
Trans FICO8 = 742
EQ ? somewhere above 730 guessing.
I still have $45K in CC debt plus $10K in loan debt (more than 70% paid off on both)...
Since two of my existing BT 0% offer cards expired, I desperately need another BT 0% or low interest card to help me in my last 1-2 years of paying this crap off. Interest is really high on these cards now.
Thinking applying for a second BofA card. I did get a targeted email offer BofA Customized Cash Rewards credit card and its also in my inbox on my BofA account twice in last two months. Question, do you think (if you had to guess) they'll approve me and if so, what sort of credit line limit?? FYI - I got my first BofA card (21 months at 0% ) last July 2023 for $14K credit line , so it's approaching a year with BofA...I dont have a checking set-up with them. I did have a BofA checking about 10 years ago but canceled it.
Basically I need two balance transfer cards to transfer about $25K in debt but I want to focus on banks that give higher credit lines.
NFCU is awesome for high credit lines and I have established a long loyal relationship with them... Now, do you think my credit is good enough NOW for NFCU to give me a third platinum card?? I have one card with $18K (28K credit line) and another platinum card at 0% balance with $7K credit line . I think I have roughly $34K in total credit line with NFCU already between those two credit cards (no loans). I literally have done everything you can imagine to maximize my relationship with them. I would give NFCU an A++ for how much they've helped me get out of this hole I dugg myself in (was over $120K in debt at one point)
If there's other banks, be great to hear. Can't do PenFed cuz proof of income is hard (run a cash biz ). Amex is possible but I hear they pull both experian and trans which I dont like.....
Please no moralistic judgement type responses. We're all trying are best to make it in this world.
Thanks, love this place!!
Experian FICO8 = 759
Trans FICO8 = 742
EQ ? somewhere above 730 guessing.
I still have $45K in CC debt plus $10K in loan debt (more than 70% paid off on both)...
Since two of my existing BT 0% offer cards expired, I desperately need another BT 0% or low interest card to help me in my last 1-2 years of paying this crap off. Interest is really high on these cards now.
Thinking applying for a second BofA card. I did get a targeted email offer BofA Customized Cash Rewards credit card and its also in my inbox on my BofA account twice in last two months. Question, do you think (if you had to guess) they'll approve me and if so, what sort of credit line limit?? FYI - I got my first BofA card (21 months at 0% ) last July 2023 for $14K credit line , so it's approaching a year with BofA...I dont have a checking set-up with them. I did have a BofA checking about 10 years ago but canceled it.
Basically I need two balance transfer cards to transfer about $25K in debt but I want to focus on banks that give higher credit lines.
NFCU is awesome for high credit lines and I have established a long loyal relationship with them... Now, do you think my credit is good enough NOW for NFCU to give me a third platinum card?? I have one card with $18K (28K credit line) and another platinum card at 0% balance with $7K credit line . I think I have roughly $34K in total credit line with NFCU already between those two credit cards (no loans). I literally have done everything you can imagine to maximize my relationship with them. I would give NFCU an A++ for how much they've helped me get out of this hole I dugg myself in (was over $120K in debt at one point)
If there's other banks, be great to hear. Can't do PenFed cuz proof of income is hard (run a cash biz ). Amex is possible but I hear they pull both experian and trans which I dont like.....
Please no moralistic judgement type responses. We're all trying are best to make it in this world.
Thanks, love this place!!
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