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Debating Application Timing

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tntexans72
Valued Contributor

Re: Debating Application Timing

Hmmm, I always go with the card I think that is the most difficult first. Your high scores means your AAOA is over 5yrs, uti% is very low. Those are all recipes for approvals IMO. Heck you probably get all of them and than some Smiley Happy 

 

 

Message 11 of 18
BigBS
Senior Contributor

Re: Debating Application Timing


@tntexans72 wrote:

Hmmm, I always go with the card I think that is the most difficult first. Your high scores means your AAOA is over 5yrs, uti% is very low. Those are all recipes for approvals IMO. Heck you probably get all of them and than some Smiley Happy 

 

 


8.8 years and 5%.  I would be amazed if that happened. 

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 12 of 18
BigBS
Senior Contributor

Re: Debating Application Timing

Other thoughts from the wise folks here?  Could really use some guidance.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 13 of 18
Gmood1
Super Contributor

Re: Debating Application Timing

Since the Go rewards and AARP are similar. Get the Go rewards after USAA. NFCU doesn't seem sensitive to new accounts or inqs. Go rewards will net the largest SL IMHO. With your scores you're golden.
Message 14 of 18
BigBS
Senior Contributor

Re: Debating Application Timing


@Gmood1 wrote:
Since the Go rewards and AARP are similar. Get the Go rewards after USAA. NFCU doesn't seem sensitive to new accounts or inqs. Go rewards will net the largest SL IMHO. With your scores you're golden.

Thanks.  Agree USAA is probably more conservative than NFCU. Still debating. 

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 15 of 18
baller4life
Super Contributor

Re: Debating Application Timing


@Gmood1 wrote:
Since the Go rewards and AARP are similar. Get the Go rewards after USAA. NFCU doesn't seem sensitive to new accounts or inqs. Go rewards will net the largest SL IMHO. With your scores you're golden.

+100. My thoughts exactly. You're golden for high limits! 😉

Message 16 of 18
BigBS
Senior Contributor

Re: Debating Application Timing


@baller4life wrote:

@Gmood1 wrote:
Since the Go rewards and AARP are similar. Get the Go rewards after USAA. NFCU doesn't seem sensitive to new accounts or inqs. Go rewards will net the largest SL IMHO. With your scores you're golden.

+100. My thoughts exactly. You're golden for high limits! 😉


Okay, Rethinking to use this is a way to bring in the New Year, suck up the impact to CS and AAoA, and garden for the rest to bring everything back where it should be.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 17 of 18
BigBS
Senior Contributor

Re: Debating Application Timing

Thoughts on disapproval by NFCU because I already have a CC with them?

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 18 of 18
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