NFCU Credit Card Application

[Anonymous]

Good evening everyone. I have been a NFCU member since April 2015. I want to apply for a credit card as well an auto loan and mortgage in the future. My current credit scores are in the high 500s- low 600s. Should I try to apply for a unsecured credit card or play it safe and apply for the secured credit card?

[Anonymous]

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@Anonymous wrote:
Good evening everyone. I have been a NFCU member since April 2015. I want to apply for a credit card as well an auto loan and mortgage in the future. My current credit scores are in the high 500s- low 600s. Should I try to apply for a unsecured credit card or play it safe and apply for the secured credit card?

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I'm not sure what they look for specifically, but I was just approved for a cash rewards 1k so with sub 600 scores.  I think DTI comes more into play with nfcu card approvals.

[Anonymous]

I'm currently cleaning up my credit. I have a few more items to take care of. The real bills that I have credit wise is my car note and student loans.

[Aduke1122]

Yes you can get approved with sub 600 scores but only if your DTI and UTi is on poInt , they really focus on that

[Anonymous]

Thanks for your input. I'm going to pay my CC down to zero balance and then apply.

[AverageJoesCredit]

Good luck to you when you do. Everytime i read your name it draws me to Lady J of G.I.Joe, 1984, oh yeah great Christmas memories

[Anonymous]

Thanks. 😁😁😁

[Anonymous]

Just like everyone else said, DTI and UTI seem to playa big factor into their decisions. My TU was a low 600 but I have great DTI and my UTI was <10%.

[Anonymous]

What dti is NFCU looking for?

[Anonymous]

I'm not sure. Make sure it's low as possible.