- June 27, 2011 at 7:29 pm #226428
I’m pretty sure this is the best travel card for what fits my travel style: Multiple airlines, multiple hotels.*
I know you need “excellent credit”, and according to their explanation of that, I’m fine. But I wanted to get some comparisons of other’s profiles to see if I should bother applying.
Here are the major things for me, as of today’s reports:
AAoA: ~6 years (according to TU)
Oldest Account: 11 years
INQ: EX-7, EQ-4, TU-2*
NFCU Platinum: 3/11, 5k limit, but was raised to 15k this month, won’t update CRA until about 7/10/11…
Amex Blue Cash Preferred: 5/11, 11.5k limit.
TowneBank secured 6-month note: 3/11, 17k. Interest only installment loan ($89/mo).*
No collections, last baddie was 4.5 years ago (30day late student loan)
One 60 day late, from a co-signed account 6 years ago.
Utilization is around 7%, before you count my 10k CLI from NFCU.
Other Notable Revolving Accounts:
Wells Fargo Platinum: 6.5k limit, 4.5 years old.
Chase Platinum: 2k limit. 3.5 years old.
Also, I have a 10 year old Capital One Platinum account. Was $700CL for the longest time, and for most of that period I carried a near max balance. I paid it down last fall, and in December, I got a 3k CLI. So I now have a 3.7k Capital one card that I have been using to max and paying down to 9% for the last 6 months.*
So, should I pull the trigger? Should I wait for NFCU to update the CL? Should I try improving my scores? (see sig)
I have a second BMWFS account that will probably start reporting soon…first payment is in July. Thought it might be good to app before it reports.
You must be logged in to reply to this topic.