NFCU NREWARDS CLI AT 91/3 NOW WHAT?

[Anonymous]

I just hit my 3 statement mark and my NFCU Nrewards received a CLI from 200 to 600 without additional deposit. I want to apply for another card but I am afriad of a denial. 

Which card other than cash rewards is easiest?

I currenly have the following scores

FICO 8 TU  639 EQ 647 Ex 657

FICO 9 TU 641 Eq 676 Ex 650 

FICO 8 BANKCARD Eq 634 Tu 646 ex 626

FICO 9 Bankcard TU 640 Eq 668 Ex 640

I reside in Florida.

I have 2 medical collections on TU AND EQ and just paid them this week and they said they report every Friday and will remove it so I am possibly waiting for them to drop off before I apply. 

I am also waiting on a update to a goodwill adjustment that was granted by Cap1 later this month.

Bads.

Chrysler Cap CO on Equ and Exp. Unpaid closed

Fairwinds Credit Union Loan 1 30 and 1 60 closed paid Dec 2018

Regional Acceptance closed paid 1 30 and 1 60 back in 2015.

Cap1 500 bal 0 12 lates but GW granted to all on time after 7 months of letters but waiting on CRA UPDATE.

Goods

Opensky 300 bal 57

NFCU 600 BAL 0

FINGERHUNT 500 BAL 0

Discover It Secure 400 bal 0

BOFA 13300 BAL 127 Authorized User account

Inq Ex 3 Tu 2 Eq 4 withing last 12 mths.

[M_Smart007]

If Navy gave you a CLI, then they don't think your all bad

You most likely would be approved for a second card.

@Anonymous 

I am no FICO9 Scoring expert, but I believe "9" discounts medical collections ??

(I may stand corrected by @Anonymous on this) They pull TU FICO9 for new apps.

Having said that, if you could get all those things cleared up first ..any lates, baddies or derogs.

Your chances of getting a higher SL and APR really improve.

Hope this helps.

Future reference ..>> You can also read and ask questions here; 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

[AllZero]

Do you need more credit at this time?

Perhaps, wait to improve your credit profile? Thus, increasing your odds at approval and possibly higher starting limit. Also, it'll allow more payment history with Navy.

[OmarGB9]

You might get approved, but I agree with @AllZero. You should wait for everything to update and see about some possible GW removals and once your profile improves, you'd have much higher odds of approval, better APR, and of course better SL.

[Anonymous]

9 weighs medical collections less harshly, IIRC, but they do have an effect.

[Meanmchine]

Good luck and let us know what you decide

[Anonymous]

Any updates?

[FinStar]

---

@Anonymous wrote:

Any updates?

---

@Anonymous - OP's update:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/6233298#M284339