nfcu cli

[Anonymous]

im back. finally got my house in June. I have a navy federal credit card that they started me off with $1700, reduced my utilization and applied for other cards and cloc and was denied saying my account was too new, I have been using this card for just about everything that it will let me use it for the cash back rewards. I pay on it a minimum of 2 times a month sometimes more. I got it in April and I will have 3 statements cut on the 10th of July. My utilization is up on the other cards as well now, so my question is when should I apply again for a credit limit increase as well as a cloc?

[AverageJoesCredit]

You say you got denied but did you apply for a cli on this card that you got in april before july? OR did you apply for a cloc and second card after getting approved for first card?.

[Anonymous]

Cloc and 2nd card once my score went up a little , yes before July

[ryder32244]

Based on what I have read if you dont apply for both CCs around the same time then you have to wait until you have had the one for 3 statements and 90 days. I tried for a cash rewards within 3 months of getting a GoReward and I want even eligible to for them to look my credit which went up by 50 pts since the initial approval. I'm counting down my days, so sounds you just need to hold out. 

As far as utilization, I seen it both ways but makes sense to get it down for best chances.