It is still kind of a lot though in a short amount of time. Remember, you are 19 and you've done some great things already, now you need to take a step back and let things age.

I agree with ColoNative, its time to let things marinate. Be patient, it will come in do time and you don't won't to sabotage your long term goals from being too hasty!

I don't want you to be the first one to get hit with one neither. I am so scared of these banks until I can't trust any of them

Yeah, I guess so.

I'm sorry. Hang in there though, they are a great credit union to have and when you are approved probably in a year or less for that card the reward will be all that much sweeter.

Yeah, I was thinking of that too but I wanted in with them ASAP because I will be buying a car in 2-3 years and I wanted to have some history with them so I can get approved for a sweet interest rate.

Credit Unions are not known for CLD's yet so it's a safe bet.

I don't want you to be the first one to get hit with one neither. I am so scared of these banks until I can't trust any of them:laugh:. Sorry to hear you lost your recon, now it is time to sit down with the rest of the credit addict club. We are officially on cc break!

Yeah, I realized that when they denied my recon today.

I'm sorry. Hang in there though, they are a great credit union to have and when you are approved probably in a year or less for that card the reward will be all that much sweeter.

Yeah, I realized that when they denied my recon today.

I haven't opened a new account for 3 months. 4/5 of my new accounts will be a year old in April.

It is still kind of a lot though in a short amount of time. Remember, you are 19 and you've done some great things already, now you need to take a step back and let things age.

I haven't opened a new account for 3 months. 4/5 of my new accounts will be a year old in April.

Not from the CU's but CLD from other creditors because of the new account...

Credit Unions are not known for CLD's yet so it's a safe bet.

Keep your fingers off of the cc applications until we can get some type of assurance from creditors. Now when your fingers get popped by cld's, you know you are going to go off. STOP!!!!!!

I typed a recon letter and will fax it to them and see what happens. I will update as soon as I receive information from them.

I love PenFed. I have a savings account with them so that I can apply for car loans and such. They offer great rates on new and used cars.

I also really like their Visa Gold but I don't need any new cards.

I have had a money market with them for YEARS
but still Ill wait for a while before I apply...

The reason is going to be "Pyramiding Debt"