Re: Need help, getting 2nd card from Nasa or NFCU

sobeone1 · ‎04-15-2015

Hello. A little over a month ago I got into Nasa fcu and got their rewards card with 20k cl. Around a month ago I got into NFCU and got their cash rewards card with 14k cl along with checking line of credit. I would like to know if I should app for a 2nd NFCU card or try to get another Nasa card? Or should I open a checking account from Nasa and get a loc from them? Should I wait longer? Im only looking for the highest starting limit to pad my overall utilization. Thanks!

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)

jamesdwi · ‎04-15-2015

@sobeone1 wrote:
Hello. A little over a month ago I got into Nasa fcu and got their rewards card with 20k cl. Around a month ago I got into NFCU and got their cash rewards card with 14k cl along with checking line of credit. I would like to know if I should app for a 2nd NFCU card or try to get another Nasa card? Or should I open a checking account from Nasa and get a loc from them? Should I wait longer? Im only looking for the highest starting limit to pad my overall utilization. Thanks!

credit karma score is junk, its best just to use them for credit monitoring, and ignore the score.

Might be wise to garden for 6 months, unless you really need more availible credit, Your doing fine. After the 6 months they may be even nicer with starting CL's. If you move things too quickly your report will trigger fraud alerts that you will need to recon, and simply because you triggered the allert your starting CL will be lower. Credit is a Marathon.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

Anonymous · ‎04-15-2015

They declined me for a second card with over 700 TU FICO. 2 months after first card.

baller4life · ‎04-16-2015

Lil soon Nixon. I got my 2nd card 9 months after 1st. They like to get to know you first.

sobeone1 · ‎04-16-2015

Thanks guys for the help. Oh, and jamesdwi sorry for the beating, O*H*I*O

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)

Zorasmiles · ‎04-16-2015

Between the two CU's and if I had to really push the button for another card at this point with the information you've provided, it would be with NFCU. NFCU has shown IMO to be a bit more giving when it comes to second cards early on to members. Those cards have also grown pretty quickly as well. Good luck with all you decide to do.

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.

Anonymous · ‎04-16-2015

@baller4life wrote:
Lil soon Nixon. I got my 2nd card 9 months after 1st. They like to get to know you first.

Maybe....

joedtx · ‎04-16-2015

@Anonymous wrote:
@baller4life wrote:
Lil soon Nixon. I got my 2nd card 9 months after 1st. They like to get to know you first.
Maybe....

Have to agree w/Baller didn't realize you didn't have a card that long so really it wasn't about your profile so you'll get it soon enough.

Anonymous · ‎04-16-2015

@joedtx wrote:
@Anonymous wrote:
@baller4life wrote:
Lil soon Nixon. I got my 2nd card 9 months after 1st. They like to get to know you first.
Maybe....

Have to agree w/Baller didn't realize you didn't have a card that long so really it wasn't about your profile so you'll get it soon enough.

I'm going to keep appealing the decision. They won't get another HP out of me until i'm ready to refi our other auto loan or a mortgage.

joedtx · ‎04-16-2015

@Anonymous wrote:
@joedtx wrote:
@Anonymous wrote:
@baller4life wrote:
Lil soon Nixon. I got my 2nd card 9 months after 1st. They like to get to know you first.
Maybe....

Have to agree w/Baller didn't realize you didn't have a card that long so really it wasn't about your profile so you'll get it soon enough.
I'm going to keep appealing the decision. They won't get another HP out of me until i'm ready to refi our other auto loan or a mortgage.

Well just remember as one hard pull goes on the file another comes off eventually so it will even out at some point.

Need help, getting 2nd card from Nasa or NFCU

Get your FICO® Score for free

Need help, getting 2nd card from Nasa or NFCU