Credit Cards

[beautybrainsbooty]

Do USAA and NFCU use the same scoring system for credit card approvals? I am basically trying to figure out do I wait to apply with NFCU since I have a new USAA. I also have new TLs that just hit my good looking EQ cr.  Orrrrr go for it right now and start gardening everything together? Decisions. Decisions. Scores/TLs are in my sig. Advice/navagation tips very much appreciated. 

[AmbitiousOutsider]

They both pull Equifax, for the most part.  Personally I'd app sooner than later so that the account can start aging.  I've never done business with NFCU, but from what I've  heard they don't deny unless your credit is horrid.

[iMacDrew]

Navyfederal will work with you. It was the first card I ever got and have no intention on ever closing it. Their cli are generous and apr aren't bad. I have no relationship with usaa as far as cc but from what I see on their site they offer low apr cards. 

[beautybrainsbooty]

thanks you guys! I am excited to see an approval from them. One more question, do you think new accounts opening on CR will hurt me at all?

[iMacDrew]

It will drop your score but it really depends on aaoa and other factors like credit limits and uti

[beautybrainsbooty]

thanks drew!

[iMacDrew]

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beautybrainsbooty wrote:

thanks drew!

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No problem. I'm stuck on a 24 hr duty got nothing better to do ! 

[A_Madel]

Good luck  Let us now how it goes!