NFCU CLI question .....

[Anonymous]

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@Aduke1122 wrote:
Thanks Humu I'm trying to stay positive, also yes I PIF all besides one time where I was trying to see if I left a small balance if it would help , still nothing changed

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Mine increased after 3 months of time in the sock drawer (I was declined at the November AR, so out of a tiny bit of spite I shifted all my spend to my Quicksilver) - decided to try again in January on a lark, and for some crazy reason that time it took.  Based on my own experience I would venture a guess that they're putting very little weight on what you do with just their card, and more on your profile as a whole?  Seriously, they're hard to figure out

[Aduke1122]

That's actually what I started last mth ,the only thing I have running thru that Navy Fed cc is my CCT monthly fee and I'm gonna keep it that way for a few mths . Honestly I don't know what they have against me , it's hard to read about some of the crazy approvals of ppl with much lower scores and lots of derogatory stuff when my file is now clean and my scores are way higher , the only thing is im new to revolving credit with my oldest cc only being 1 year and 3 mths old now . When the send the declines it usually says too many new accts and inquiries 🙁