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Just joined NFCU (finally), tonight or tomorrow I'm going to run thru the CC and CLOC apps.
Before I do I have a few questions:
1) Does time of day matter? If they are all manually approved by an underwriter, I guess during business hours are better right?
2) Does it matter if I run the apps thru the website or over the phone?
3) I'm assuming the whole (ask for 25K or if I'm auto approved for less than, request 25K to have them counter the highest possible) method still works?
4) Should I be worried about denial? Stats below...
UTIL 85%
Negative Marks 0
Total Income 146k
Scores Low to Mid 600s across TU,EQ,EX
Thanks!
Your utilization is extremely high. You should lower it to less than 35% before you apply.
I wouldn't expect an approval but If by chance you do get approved I wouldn't expect much.
Forget about apping for now until you get utlization down. Once that is done, you can apply anytime and ask for the maximum amount. As things stand and going by utilization alone, you might not get the amounts you are seeking even if approved.