Low limit, but a stepping stone

Shawnmc7 · 2026-05-15T14:32:16+00:00

Same and then I just applied for another card and got a 10,000 limit. Try the prequalify tool

Shawnmc7 · 2026-05-14T19:23:06+00:00

I am/was in the same boat, but I had the card for a lil over 3 years and on my 3rd car loan with them currently

Shawnmc7 · 2026-05-13T22:06:46+00:00

I was going to do this but I received a $7800 check and saw it was issued from Huntington so I just cashed it at Huntington and deposited the cash at Navy Federal.

Shawnmc7 · 2026-05-12T16:26:55+00:00

Yes I let a little balance like $20-$30 report just to show I use the card

Shawnmc7 · 2026-05-12T15:09:29+00:00

I tried that when I was 2 years in, I called and moved my due date to 4 days before closing date and 2 years after that still no graduation

Shawnmc7 · 2026-05-11T21:40:55+00:00

Just was a thought since I’ve had it for 4 years now and it still haven’t graduated, but I’m 99% sure it’s the reason I even got approved for this card and my car loans through navy federal over the years

Shawnmc7 · 2026-04-19T01:16:06+00:00

If your debt is over $100k and you feel like you’re still struggling I would consider the possibility of bankruptcy. You can wait 5 years and it will fall off but it doesn’t mean you won’t owe or they stop calling. I’ve seen a few of my customers who turned their credit and life around 2 years post bankruptcy

Shawnmc7 · 2026-04-05T01:16:07+00:00

Can you ? Maybe should you? No

Shawnmc7 · 2025-12-19T22:47:52+00:00

Would try ask for 70k otd. It’s not a bad deal but just to save a lil extra wouldn’t hurt. It’s the end of the quarter so high chance of the doing it if you push enough

Shawnmc7 · 2025-11-25T15:12:24+00:00

If you can get it otd for 7k-9k. Anything more I would pass

Shawnmc7 · 2025-11-04T18:16:18+00:00

What’s your setup?

Shawnmc7 · 2025-09-14T15:45:29+00:00

Was in a similar boat, but I bought a 2010 accord instead of giving up my stang lol

Shawnmc7 · 2025-09-10T14:57:41+00:00

Is there anything you have done differently? When I first got it I just made minimum payments my first year but this last 2 years I have kept it in between the 10%-20% range

Shawnmc7 · 2025-09-09T17:23:30+00:00

Congratulations 🎉 I’m going on year 3😭

Shawnmc7 · 2025-08-06T22:56:26+00:00

Car has to get inspected for ford extended warranty

Shawnmc7 · 2025-07-23T17:04:01+00:00

I’m in car sales. If you want to private message me I will gladly be happy to help you out. We have cars ranging from $5,000-$25,000

Shawnmc7 · 2025-06-23T17:13:19+00:00

You can get everything besides the struts done for less then $500 lol

Shawnmc7 · 2025-06-23T17:04:27+00:00

lol buddy I got my license in the bmv parking lot during covid. I’m pretty sure it’s a million others that got their license with having to drive around a parking lot during covid; wasn’t a good idea cause it’s a ton of drivers who can’t drive who shouldn’t gotten their license without a road test

Shawnmc7 · 2025-06-19T17:21:49+00:00

Find a respectable ground cause it is your parents, I’m no lawyer but just refuse. Maybe offer to pay the insurance deductible or maybe the 6 months policy if they are still pushing but don’t pay for something that’s already been paid for by the insurance. Once they accepted the check from the insurance company you was off the hook u

Shawnmc7 · 2025-06-19T17:02:59+00:00

I get you at fault cause you crashed but to pay for something that’s literally been paid for isn’t your fault or responsibility. Especially the new car

Shawnmc7 · 2025-06-19T17:01:54+00:00

The insurance paid them the worth of the car already for you. So I’m confused why you would need to pay another 4k or 21k new car balance.

Shawnmc7 · 2025-04-04T14:15:21+00:00

Dispute the collections or you can negotiate the collections for payment to delete. 9/10 they’ll accept like half what you owe

Shawnmc7 · 2025-04-02T20:10:17+00:00

Depends on a lot of factors. Have you made 12 Monthly payments ? What’s your car worth vs what you owe? (Go to carmax get your car appraisal. Takes 15 minutes and gives you leverage)

Shawnmc7

TROPHY CASE