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.
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.
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.
If Navy gave you a CLI, then they don't think your all bad
You most likely would be approved for a second card.
I am no FICO9 Scoring expert, but I believe "9" discounts medical collections ??
(I may stand corrected by @Birdman7 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;
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.
Good luck and let us know what you decide