Nfcu experts ?

[kugel]

I have a nfcu rewards card with a 15k and a cloc of 15k for over 7 months now I am hoping to hit the CLI on may that would be 6 months from my last cli that I got after the 90day of account open
I just did a stupid move and applied for a second card it's still pending hope it will be approved
In any case will this effect me getting the CLI on may does this reastart the 6 months for the first card ?

[tomfromrictmame]

As you probably know, NFCU is HP happy.  I would call and speak with them; they have great customer service as you also probably know.  Explain the situation and ask if balances can be combined (assuming they approve the new card and don't really want another one).

[kugel]

If I'll get declined will this effect my cli on may or It's 2 separate things ?

[Anonymous]

Based on the NFCU data thread, you'll likely be approved for the second CC. If you haven't already, check that thread out...lots of good data there. Author by credit addict. 

[kugel]

Yes but I am 15 months after bk will I still be approved
Score is 672 zero utilization

[kugel]

My question was if i am declined for second card for ever reason do I have still same cahnce to to get the at the sixst month may AR the CLI ?

[Aduke1122]

No this new app has nothing to do with your CLI on the 1st card , as long as it has been 6 mths when you try you will be fine

[kugel]

Was declined for the second card they will send a letter

[Aduke1122]

Sorry to hear that , try to recon it never hurts esp
If you took a Hp

[Anonymous]

A person by the name of Creditaddict started a thread on NFCU CLIs here in the credit application section.  Its long but well worth reading and following.  Creditaddict is the expert on all things NFCU and has led many of us to the promised land.