Navy Federal Business Card Approval with higher Utilization?

[njames33]

I need to apply for a business card that doesn't report to personal credit. Does anyone know how NFCU views higher utilization on their personal cards for approving business cards? I have the 4 accounts below with them, credit scores between 701-714 with perfect payment history. Just don't want to waste the inquiry if chances of getting approved with them are low. Great income and DTI. 

Account / limit / balance %
$25,000 > $22,251 > 89% NFCU CC

$15,000 > $13,350 >  89% NFCU CLOC

$25k 1/year > NFCU Auto Loan

$17,800 > $ 0 > 0%  NFCU CC / 0% (Auth user)

Other Accounts / Utilization:
$35,500 > $31,500 > 89% (Chase)
$ 5,000 > $ 1,445 > 28% (Chase)
$ 3,000 > $ 867 > 28% (Chase)
$ 1,000 > $ 0 > 0% (Wells)
Auth User CC's
$15,800 > $ 0 > 0% (Chase)
$ 9,000 > $ 0 > 0% (Chase)
$ 4,100 > $ 150 > 3% (Wells)

[CreditCuriosity]

I am going to move this to business credit.. Honestly I don't believe you have a chance with how your utilization stands as you are maxed on 3-4 high limit cards which doesn't look good to a lender as basically you owe what 60k+?  Depending on what you bring in a year that is ALOT OF Money in CC debt at probably 14-20% apr.

Hopefully others can weigh in on their thoughts.

[woodyman100]

Debts are relative to resources, but based on your question combined with your utilization I am inclined to agree with @CreditCuriosity.

[SouthJamaica]

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@njames33 wrote:

I need to apply for a business card that doesn't report to personal credit. Does anyone know how NFCU views higher utilization on their personal cards for approving business cards? I have the 4 accounts below with them, credit scores between 701-714 with perfect payment history. Just don't want to waste the inquiry if chances of getting approved with them are low. Great income and DTI. 

Account / limit / balance %
$25,000 > $22,251 > 89% NFCU CC

$15,000 > $13,350 >  89% NFCU CLOC

$25k 1/year > NFCU Auto Loan

$17,800 > $ 0 > 0%  NFCU CC / 0% (Auth user)

Other Accounts / Utilization:
$35,500 > $31,500 > 89% (Chase)
$ 5,000 > $ 1,445 > 28% (Chase)
$ 3,000 > $ 867 > 28% (Chase)
$ 1,000 > $ 0 > 0% (Wells)
Auth User CC's
$15,800 > $ 0 > 0% (Chase)
$ 9,000 > $ 0 > 0% (Chase)
$ 4,100 > $ 150 > 3% (Wells)

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As a general rule, almost all business cards do NOT report to personal credit.

The only exceptions of which I am aware are Capital One and TD Bank.

NFCU is not the easiest lender to get a business credit card from.

If this is your first business card, I would suggesting starting with an Amex charge card.