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Utilization range for NFCU CLI?

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js0319
Established Contributor

Utilization range for NFCU CLI?

What's a good range for overall utilization that NFCU would like to see to get approved for a CLI? I'd also like to know the same info for possible app later in the year for the AMEX Everyday revolver. 


AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
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leegreen
Frequent Contributor

Re: Utilization range for NFCU CLI?

NFCU does not seem to care much either way. I have gotten CLI's maxed out and I've gotten CLI's paid off.

I haven't figured out Amex yet.
06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
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js0319
Established Contributor

Re: Utilization range for NFCU CLI?

Does that include utilization on their cards?

AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
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leegreen
Frequent Contributor

Re: Utilization range for NFCU CLI?

Yes, for the longest time I only had NFCU cards and a Capone and a couple of store cards.
06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 4 of 5
BackInTheSaddleAgain
Regular Contributor

Re: Utilization range for NFCU CLI?


@js0319 wrote:

What's a good range for overall utilization that NFCU would like to see to get approved for a CLI? I'd also like to know the same info for possible app later in the year for the AMEX Everyday revolver. 


Great question. I would like to know as well. My 4th statement just cut reflecting a zero balance. Will be hitting the love button Friday and wondering whether having a balance is better, or will my zero balance work equally? 

 

Sorry for shortstopping the original question, but a little more insight from the pros would be greatly appreciated.


Current Score: EX: 718, EQ: 715, TU: 720
Goal Score: EX: 750, EQ: 750, TU: 750

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