I have a 699 (eq dispute trick). 700 would have gotten me a re-fi at 6.25% on my used car. I ended up re-fi at the same APR, and when my score goes up 1 point at the end of the month i'll refi again to 6.25 (lockheed credit union). So i'm like i need a LOC in case i bounce a check, she said, great, your score qualifies for 6.7% (lower than my car apr) PLOC for $5000. Then she said, you wanna visa too? I asked cause i haven't received my check card too. Well she said how much you want? I said "i dunno, whatever". she said "You get the platinum no annual fee 9.9% card with $5500 limit". 1. New checking account (no fees) 2. Refi car at same rate (2 months shorter term) dont have to write checks anymore, can refi next month for 6.25%... 3. PLOC Overdraft 6.7% no fee $5000 4. Platinum $5500 9.9% I have had the best credit day in my life!!!!!!!!!! F*** RBC CENTURA bank. I'm closing my netbank,southtrust, rbc bank right now. Game over. 1 Inquiry (equifax). If you live in georgia you gotta get in Lockheed CU. THEY RULE!!. 670-699 is Premier(me),700-730 is prestige, 730+ is GOD. They were so nice it wasn't funny!!
3. PLOC Overdraft 6.7% no fee $5000 Let it OVER-DRAFT when you pay the VISA... I always thought they were like 18% +/-
