NFCU CC App

[Anonymous]

I currently have an Equifax score of 590 and 4 inquiries. I pay on time and have a 40% overall utilization. Worth it to get apply for a card?

[Anonymous]

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@Anonymous wrote:

I currently have an Equifax score of 590 and 4 inquiries. I pay on time and have a 40% overall utilization. Worth it to get apply for a card?

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I would wait until your get your utilization closer to 10% and scores 620+

[CountryLivin]

I was approved when my scores were in the low to mid 500's. Not sure if it was because I have had an account since I was 12 years old, but I got a $5000 SL when I applied a little over 2 years ago.

[Anonymous]

Score isn't too bad for them but if you get your utilization down it'll raise your score just that in itself. You may like your approval

[RonM21]

I agree, if you get your scores up, the approval can be way better. Yes you may get approved, but at a lower limit.