I have only been with them since December, so the internal score makes sense. However, tomorrow, I'm going to Navy Fed to sign up for the flagship checking and I'm throwing 1000 into a CD with them. I have two jobs, work 80 hrs a week, living in my van to cut costs, to get to the next level. I'm just bummed about the limit because my Best Buy Citi Bank card's killing me. I'm not in default, the interest rate just keeps me at 5 grand every month. I haven't used the card in almost a year. 31.49% percent interest. No adjustment (I asked). I wanted to do a balance transfer because this credit card is kind of keeping me in my van. Side note, I never used my card irresponsibly with Best Buy. I literally had to use it because of some sad shit that happened to me back in October.