Bhayyas Personal loan ela apply cheyali in USA? suggest a platform with less Interest rate

[DJBravo]

apply chesina valu pros and cons chepandi

asal apply cheyocha?

[afacc123]

1) Sofi applied got 35k

2) 6.25% interest rate with autopay 6.20% anukunta

3) paid monthly for one year 

4) applied Bank of America americard and requested to transfer existing bofa cc and increase credit limit to 25k

5) paid off Sofi after transferring to bofa cc 

6) cleared off 0%

[DJBravo]

6 minutes ago, afacc123 said:

1) Sofi applied got 35k

2) 6.25% interest rate with autopay 6.20% anukunta

3) paid monthly for one year 

4) applied Bank of America americard and requested to transfer existing bofa cc and increase credit limit to 25k

5) paid off Sofi after transferring to bofa cc 

6) cleared off 0%

Bro Did you apply as a US Citizen or Non Permanent citizen?

[afacc123]

5 minutes ago, DJBravo said:

Bro Did you apply as a US Citizen or Non Permanent citizen?

What options present infront of you

am on H1b 

Been three years so do not recall

[veerigadu]

Apply through federal union for low interest rate. They offer low interest rates. 

Or just apply for 12 to 24 month 0% APR credit card and make festival. 

[DJBravo]

13 minutes ago, afacc123 said:

1) Sofi applied got 35k

2) 6.25% interest rate with autopay 6.20% anukunta

3) paid monthly for one year 

4) applied Bank of America americard and requested to transfer existing bofa cc and increase credit limit to 25k

5) paid off Sofi after transferring to bofa cc 

6) cleared off 0%

He is giving me for 12.75% bro

[veerigadu]

1 minute ago, DJBravo said:

He is giving me for 12.75% bro

Too much. Its horrible 

[DJBravo]

Just now, veerigadu said:

Too much. Its horrible 

Yup interest kattaleka chavali

[afacc123]

1 minute ago, veerigadu said:

Apply through federal union for low interest rate. They offer low interest rates. 

Or just apply for 12 to 24 month 0% APR credit card and make festival. 

Which federal union ? There are so many

my 2 cents

if you take 0% APR card it is deemed as the person who is dirt poor and no credibility for any future credit in USA 

be ready to face challenges with diminishing credit scores and it’s affects later on 

 

on the other hand it maybe only me but just sharing my 2 cents not that it has to happen or be get way 

[DJBravo]

5 minutes ago, veerigadu said:

Apply through federal union for low interest rate. They offer low interest rates. 

Or just apply for 12 to 24 month 0% APR credit card and make festival. 

Bro are you talking about Federal Union Credit Union?

Edana CC recommend chey bro apply chesi susta?

[afacc123]

3 minutes ago, DJBravo said:

He is giving me for 12.75% bro

What’s your credit score and how long has it been that way??

[DJBravo]

Just now, afacc123 said:

Which federal union ? There are so many

my 2 cents

if you take 0% APR card it is deemed as the person who is dirt poor and no credibility for any future credit in USA 

be ready to face challenges with diminishing credit scores and it’s affects later on 

 

on the other hand it maybe only me but just sharing my 2 cents not that it has to happen or be get way 

Bro suggest a few other than federal union with low Interest rates

[DJBravo]

Just now, afacc123 said:

What’s your credit score and how long has it been that way??

Around 700 bro improve ayindi lockdown period lo

[afacc123]

Just now, afacc123 said:

What’s your credit score and how long has it been that way??

Like mine was dangling between good and excellent from the time started checking credit score which is 9 years

[afacc123]

Just now, DJBravo said:

Around 700 bro improve ayindi lockdown period lo

Suggestion 

stop immediately checking now it will decrease chances vastly as I see you already started checking 

750 target and wait for it