topic Re: Question re: NFCU AR in Credit Cards

Question re: NFCU AR

Anonymous — Sat, 09 Dec 2017 20:49:08 GMT

Been with NFCU more than 4 months with a CashRewards card and I want to apply for a CLI. Since they will check my CR

I'm wondering if I should be concerned about the AR also? I also want to apply for the Platinum card at this time. My utilization is 14% and always paid on time. SL is $14.2K. Internal score is 309

Re: Question re: NFCU AR

AverageJoesCredit — Sat, 09 Dec 2017 22:23:14 GMT

Looks like you will be good to go. Its possible you may get a cli and a new card. Id go for the cli on your first card first. If they decline then put in an app for your second card. Just my 2 cents Next AR, Jan 18

Re: Question re: NFCU AR

Anonymous — Sat, 09 Dec 2017 23:26:10 GMT

Thanks AJC, been reading these boards over a year but now that it's my turn to make a move I'm looking like a deer in the headlights! Jeesh. Ya think I should consider the Jan 18 AR?

Re: Question re: NFCU AR

jlitnns — Thu, 04 Jan 2018 18:26:10 GMT

Where do you find the internal score? I've had my account 1 week so it might be a little too early. TIA

Re: Question re: NFCU AR

UpperNwGuy — Thu, 04 Jan 2018 21:18:01 GMT

@Anonymous wrote:
Thanks AJC, been reading these boards over a year but now that it's my turn to make a move I'm looking like a deer in the headlights! Jeesh. Ya think I should consider the Jan 18 AR?

I will defer to AverageJoe, but my advice would be to ask for the CLI about 5-6 days after the Jan 18 review. You might as well let them have your latest data in hand if you want a favorable decision.