Apply for a NFCU cc?

[Anonymous]

Ok so I have been rebuilding exactly 1 year now. I have 3 cc on my profile and no lates. I have kept my UTI thru out the year at less than 5% always. This month I let balances post and my UTI jumped to 48% my problem is my total credit limit is only $2050 because of this I have lost 25 fico points. My scores are now
EQ 635. TU 645. EX 649
My 3 cc with balances/limit and when opened...

Capital one GM buypowercard $467/750 may 2016
Capital one quicksilver $510/1100 July 2016
Discover $0/200 august 2016
I have not applied for any credit since august 2016 I have no more than 3 inquiries on any CB.
I am a member of NFCU with a checking/savings account.
Now I would like to keep gardening I believe I could probably get a decent SL CC with NFCU. Should I apply now for it or keep gardening.
Also only negative account I have is a BoA charge off that was paid in full in July 2016 so basically I have a clean profile if it wasn't for that. Also since all 3 cc were opened from may to august 2016 my Age off accounts is not yet 1 year.

[Anonymous]

I would wait until August and then apply.

[Anonymous]

I agree with JLday1984. You'd probably get approved with those current scores, but you have a chance for a higher CL if you wait, I think. I recommend applying for the checking line of credit in the same week or two, they won't pull your credit for the same types of loan apps. Earlier this year my husband got a CC, CLOC, and refinanced our car on one pull 👍🏼

[rmduhon]

NFCU will do a HP for every app, and its possible that they'll do a double pull. Our TU and EQ scores were a bit higher than yours and we got approved for a 15k personal loan and a 2,500 GoRewards card in November. In March we got a CLI to 17k.

[Anonymous]

They won't always pull for each app. The CSR rep told me that it's possible they could pull again but as long as they don't need to investigate something further, they will use the same pull within a two week period (I think, ask a CSR next time you call)

[Anonymous]

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@Anonymous wrote:
They won't always pull for each app. The CSR rep told me that it's possible they could pull again but as long as they don't need to investigate something further, they will use the same pull within a two week period (I think, ask a CSR next time you call)

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NFCU HP's for each product applied for. For example, membership=HP, one credit card app=HP, CLOC=HP. I joined a couple months ago and received three HP's, one for membership, one for the cash rewards CC and one for the CLOC and all were done on the same day. This is the same as I have seen for every other approval post here from NFCU. Now, CLI can result in a SP only for their CC but the CLOC CLI will be another HP.

OP, check out the huge data points thread for NFCU. Lot's of good posts there.

[Anonymous]

I guess my husband just got lucky then. I just double checked his reports from February and we definitely just have two, one for joining and one from the platinum CC app that was approved. The CLOC and auto loan were applied for the week after the CC