topic Re: NFCU 3RD CARD in Credit Cards

NFCU 3RD CARD

Anonymous — Fri, 24 Apr 2020 14:30:10 GMT

All, seeking a little guidance. I have had the NFCU nSecured credit card for 18 month. Have the NFCU GoRewards $10K limit for 1 yrs.

Want to app for NFCU Amex. Current uti. Is 1%. Down from 80%.

All FICO 8's are @630.

Any advice????

Re: NFCU 3RD CARD

M_Smart007 — Fri, 24 Apr 2020 14:38:15 GMT

@Anonymous wrote:
All, seeking a little guidance. I have had the NFCU nSecured credit card for 18 month. Have the NFCU GoRewards $10K limit for 1 yrs.
Want to app for NFCU Amex. Current uti. Is 1%. Down from 80%.

All FICO 8's are @630.

Any advice????

@Anonymous, Welcome to the forums, as long as you are past your 91/3 from last approval?

Gopher it!

For your reading time;

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

Please keep us posted!

Re: NFCU 3RD CARD

Anonymous — Fri, 24 Apr 2020 14:42:02 GMT

I say go for it, especially if your NFCU score reflects it as well.

Re: NFCU 3RD CARD

Anonymous — Fri, 24 Apr 2020 14:42:03 GMT

Thanks for the input. Had very high utilization and was working them down.

NFCU is extremely generous.

Re: NFCU 3RD CARD

Anonymous — Fri, 24 Apr 2020 14:43:56 GMT

Last NFCU score on APP. Was 645. Based on Eq9.

Have raised score 100 pts. In last 3 months lowering uti.

Re: NFCU 3RD CARD

M_Smart007 — Fri, 24 Apr 2020 14:44:05 GMT

@Anonymous You are welcome!

Navy will love that your DTI is down,

that is one of the things they really focus in on.

Re: NFCU 3RD CARD

Anonymous — Fri, 24 Apr 2020 14:47:52 GMT

I have not App. With them since last card. Only recent INQ. Was refi of mortgage to lower rate to 2.75 from 5.66.

Re: NFCU 3RD CARD

Brian_Earl_Spilner — Fri, 24 Apr 2020 16:22:15 GMT

Why are your scores so low after paying down utilization?