NFCU....apply now or wait?

[Anonymous]

Mrldp40, thank you. That's the type of information I'm seeking. Is TU what they mainly pull for membership and credit cards?

[mrldp40]

Yes .they pull equifax 05 for cloc in my case

[Anonymous]

Is it recommended to stick with just the cap1 and keep UTL at 9% and below, or try to add another card to my profile? I only have one other card reporting on my TU and it's as an AU (0% UTL, goes unused each month). Thanks.

[Anonymous]

Any input on my question above?

[JustBPatient]

Its my understanding you need 3 accounts to optimize scoring.  Good luck!!

[JustBPatient]

And I just noticed this ...

"As far as cap1 goes, i was approved for an unsecured platinum with them in April . I was pleasantly surprised. I plan to use it each month, keep UTL under 9%, and PIF each month. I'd like to add nfcu, just not sure I'd get accepted."

You dont have to use just 9% of your credit line each month.  The only time you need to worry about the percentage is when the statement cuts.  So use the heck out of your card and plan on paying it back before your cut date.

And as far as NFCU goes, you should go ahead and apply.

[Anonymous]

I just applied for my first NFCU CC today.  I was approved for $24,000 limit.  Before this, my highest limit CC was $2000 Secured Card.  They seem to weight credit utilization very highly and I am at about 7% utilization across all my credit cards.  
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Start: 4/4/2017 EQ: 600, TU: 590, EX: 600
Now: 5/10/2017 EQ: 663, TU: 601; EX: 618

[Anonymous]

Yes, they pull TU for Membership and for Credit Cards. They are all in different departments I was told by a Rep there and she said that they pull from different CB's. I just experienced this.