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You can apply for a card same day. I did my card app on the same call as my membership and I only opened the basic savings with the $5 on that call.
@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄
If you are going to pay for that collection, you better get it in writing that they will remove it from the bureau(s) before you pay it down.
@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄
68% utilization? Seems to be a touch high. Best to dress up your report a little before applying. If you're able, prime would be under 8.9 % aggregate and individual utilization.