NFCU Denial Help!

[Anonymous]

So I just got the Denial letter in the mail -

Here's what it says:

My Navy Federal score is 255 from a low of 100 to a high of 450.

Negative factors:

Limited Credit Experience

UT of bankcard lines in the last 12 months

Number of balance decreases on non-mortgage accounts in the last 3 months

Ratio of accounts opened in the last 24 months to all accounts.

Even though I was able to recon and get approved I'd like to work on what I can to improve my chances for CLI and new cards. So what can I do based on this info? My oldest account is 6 years.

[Anonymous]

Just got the card in the mail (along with 3 Denial letters from them lol!)

I got a 16.9% APR which is lower than any of my other cards I was just wondering when my credit improves will they lower my APR or are they stubborn on that?

[Anonymous]

That is awesome news Matt4200...congrats on the new card!!

Chapter 7: Discharged November 2015
11/15 Fico 8: EQ-585, TU-550, EX- 551
07/16 Fico 8: EQ-703, TU-695, EX- 660
09/16 Post App Spree Fico 8: EQ-675, TU-675, EX-663
Cap One Platinum $2K>$4K, Cap One Quicksilver $3K, Discover $1,600, SPGVisa $4500, Red Roof Inn Siggy Visa $5K, Good Sam/Camping World Visa $1800, Overstock $7K, Lowe's $6K, NFCU Cash Rewards Visa $4600, NFCU CLOC $15K, PenFed Promise Visa $10,500, Evine $1K, CreditOne Visa $600|Total CL: $153K
Garden until September 2018 (I'll be in the pumpkin patch)!

[Creditaddict]

You can request an APR reduction one a year