Should I wait?

[sobeone1]

I really need you smart people on this. Nixon, Irish80 and the rest of the gang! You can see what cards and score I have below. I just got Nasafcu cash card 20k, then apped for penfed and was denied sighting 9 year 11 month bk, they did allow me to join though. I think this was my first ever deniel. My Question is, I want join nfcu and get their flagship card. Should or could I app now or wait 2 months till BK falls off and only 7 cards show a balance and 12 show a zero balance. do you think I should pull the trigger now or simply wait. Simply wait is the hardest thing to do because I have 2 big expeinces that will raise my utilization from 17% to over 20%I need to charge but am putting off till I app for nfcu. My dog tore her acl 3k and I need a new truck Cash advance 3 k. Am I overly paranoid or being smart? Help!

[sobeone1]

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 13 inquires T.U &amp; Eq 8 inquires.<br><br>Fingerhut $1200 my first credit. Discover it 2.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 2k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.5k, Kingsize 1k. Income 70k, Nasa 20k<br>

[Anonymous]

If you're eligible to join NFCU, do it now and wait a day or so to see if you get any preapproved card offers from them.  If not, I'd apply anyways.  Now for your choice of cards, why do you want the Flagship?  Unless NFCU is offering a large points bonus (which they aren't right now), I'd suggest going with the cash rewards card instead.

[sobeone1]

Thanks Irish80, I will listen to you and go for it. Yes I am elgible 100%. I just figured Flagship because a better chance for a higher starting limit. Question Irish should I get a saving account or open a checking account??? If I open a checking will I be able to app for their loc?

[sobeone1]

GoRewards  or CashRewards???

[Anonymous]

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@sobeone1 wrote:

GoRewards  or CashRewards???

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Cash Rewards and I don't that you would have any better chance at a high starting CL with the Flsgship.

Open both the required savings and a checking account.  Immediately after applying for cc, apply for the LOC for $15K

[SecretAzure]

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@Anonymous wrote:

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@sobeone1 wrote:

GoRewards  or CashRewards???

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Cash Rewards and I don't that you would have any better chance at a high starting CL with the Flsgship.

Open both the required savings and a checking account.  Immediately after applying for cc, apply for the LOC for $15K

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Is this the same process for Penfed?

(Sorry to but in)

[Anonymous]

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@SecretAzure wrote:

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@Anonymous wrote:

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@sobeone1 wrote:

GoRewards  or CashRewards???

---

Cash Rewards and I don't that you would have any better chance at a high starting CL with the Flsgship.

Open both the required savings and a checking account.  Immediately after applying for cc, apply for the LOC for $15K

---

Is this the same process for Penfed?

(Sorry to but in)

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Somewhat but PenFed is much tougher than NFCU.

[SecretAzure]

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@Anonymous wrote:

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@SecretAzure wrote:

---

@Anonymous wrote:

---

@sobeone1 wrote:

GoRewards  or CashRewards???

---

Cash Rewards and I don't that you would have any better chance at a high starting CL with the Flsgship.

Open both the required savings and a checking account.  Immediately after applying for cc, apply for the LOC for $15K

---

Is this the same process for Penfed?

(Sorry to but in)

---

Somewhat but PenFed is much tougher than NFCU.

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Completely understand. Thank you!  

Good luck to you OP!

[sobeone1]

What an adrenaline rush!!!!! Anyone can butt in no problem. I am asking all myfico aficionados and would appreciate everyones 2 cents. WEELLL Irish80, its all your fault.......