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Hello, all.
I'm now a member of NFCU with Checking/Savings account. Currently, I have two Cap 1 CC totalling $1,300 credit line. This card will be added just to satisfy FICO scoring, and to help utilization. Not interested in rewards. I see the NFCU Platinum. Do you think with my scores I'll be approved?
NFCU Platinum(8.74% to 18%)
Thank you!
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
With scores over 670 you should be golden for the platinum at a single digit apr. If your utilization is sub 10%, I wouldn't be surprised to hear about your $10-20k SL in the next few hours.
Hey LL,
I looked over some of your past posts, so I would be able to make a more informed response, given that you currently only have two CCs.
With the increase in your Fico scores, you should be approved.
As you may have noticed, it is the weekend, and if you are not immediately approved, the skeleton crew they have working on weekends, might not have the time to review your application and get it approved quickly & in a TIMELY manner.
My recommendation is for you to consider applying next week. This way they have a full staff of loan officers and under writers to review your application and "appeal" known as a Recon, reconsideration. In the message you would address their answers as to why you were denied, and why they should approve you. You obviously have enough reasons and information to address that you are a safe and reliable risk on their part.
I have successfully conducted recons with both Navy & Pen Fed, and find the effort to be more easily resolved and in a timely manner during the work week.
Best Wishes!!!
@lamplight2012 wrote:Hello, all.
I'm now a member of NFCU with Checking/Savings account. Currently, I have two Cap 1 CC totalling $1,300 credit line. This card will be added just to satisfy FICO scoring, and to help utilization. Not interested in rewards. I see the NFCU Platinum. Do you think with my scores I'll be approved?
NFCU Platinum(8.74% to 18%)
Thanks for the responses everyone. Had to recover from Derby weekend in Louisville, KY.
My utilization is a tad over 30 %, so I'm going to knock that out first, then apply. I'll update the thread once I do!
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
A little bit of delay, but, here it is! My biggest tradeline yet! I ain't going to lie, I kinda lost my breath a little. lol woohoo
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
Congrats on your approval!! NICE APR and SL!!!
Just wait about 100 days until you get your first CLI.. You should easily hit $20k-$24k after the AR