topic Re: USAA and NFCU approval!! in Credit Card Approvals

USAA and NFCU approval!!

Anonymous — Wed, 27 Nov 2013 15:26:23 GMT

I have 0 credit except for a Kay Jewelers card with a $300 limit. I've tried applying for all the "easy" cards (walmart, discover it, cap 1 journey, etc) and always got rejected. I finally decided to just try for USAA and NFCU and I got approved for both! My limit is very low ($500) but it's way better than nothing. I am so excited to start building my credit. I got the USAA Visa and the nRewards Mastercard.

What is the best way to increase my score? Should I pay them all off so never carry a balance or should I at least let it show on the statement and then pay it? Also, what should my utilization be?

Re: USAA and NFCU approval!!

Creditaddict — Wed, 27 Nov 2013 16:17:49 GMT

Yes let at least 1 report statement and then pif.

Re: USAA and NFCU approval!!

yudeology101 — Wed, 27 Nov 2013 16:27:29 GMT

@Creditaddict wrote:
Yes let at least 1 report statement and then pif.

+1. BTW, welcome to the forum & congrats on your approval!

Re: USAA and NFCU approval!!

coldnmn — Wed, 27 Nov 2013 18:54:27 GMT

Welcome to the forum Congrats x2! Thanks for sharing.

Re: USAA and NFCU approval!!

Anonymous — Wed, 27 Nov 2013 19:04:51 GMT

Thanks everyone!!

Re: USAA and NFCU approval!!

09Lexie — Wed, 27 Nov 2013 19:18:40 GMT

Welcome to the forum. Your util isn't as important unless you are planning to app. However, for credit management and you always want your credit reports to be in the best condition. Keeping your overall util less than 30% when not apping and less than 10% when apping is ideal.

Re: USAA and NFCU approval!!

Anonymous — Wed, 27 Nov 2013 22:46:11 GMT

Thanks! I won't be doing any more apps until probably a year. I will definitely be sure to keep it around 30% or less.

Re: USAA and NFCU approval!!

myjourney — Thu, 28 Nov 2013 01:19:11 GMT

Welcome to the forum

Congrats on the approvals

Re: USAA and NFCU approval!!

Anonymous — Thu, 28 Nov 2013 02:10:57 GMT

Congrats for getting your foot in the door! USAA is conservative but they like to try and work with people so growing your CL is possible.

Re: USAA and NFCU approval!!

alvon123 — Thu, 28 Nov 2013 17:10:35 GMT

congrats

Re: USAA and NFCU approval!!

babyeyes00 — Thu, 05 Dec 2013 21:40:18 GMT

awesome!!! CONGRATS

Re: USAA and NFCU approval!!

credithappy — Fri, 06 Dec 2013 02:19:34 GMT

Congrats to you