whats my changes for nfcu cc

[excop01]

So i joined nfcu about 2 weeks ago now. I have been itching to apply for one of there cards. and altho the rep told me on my welcome message basically that i would probably be ok, Im still scared to try. My first direct deposit check just hit my acct last friday. I wanted them to see that for sure. But yet still scared to try out for it. 

So im asking the experts in here should i try for it? These are the dps

tu 633 now after car paid off was 687, 8 inq due to car shopping , only baddie 2016 bk dismissed. 

exp 664 same thing was 686 8 inquires  due to car shopping, but all within the 14 day period. 1 collection that about to fall off and the 2016 bk.

eqfx 645 same thing was 664 10 inq. 2 collections, and bk 2016

make 45k 

Have discover util 23 %, ollo 42% advant 20% opensky 2% and retail card together about 1%

i only have about 6500 dollars in cl right now. i need to have more credit

I recently bought a new car, 2 months old. and advant card at same time. 

suggestion? should i apply or wait it out? 

[CreditInspired]

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@excop01 wrote:

So i joined nfcu about 2 weeks ago now. I have been itching to apply for one of there cards. and altho the rep told me on my welcome message basically that i would probably be ok, Im still scared to try. My first direct deposit check just hit my acct last friday. I wanted them to see that for sure. But yet still scared to try out for it. 

So im asking the experts in here should i try for it? These are the dps

tu 633 now after car paid off was 687, 8 inq due to car shopping , only baddie 2016 bk dismissed. 

exp 664 same thing was 686 8 inquires  due to car shopping, but all within the 14 day period. 1 collection that about to fall off and the 2016 bk.

eqfx 645 same thing was 664 10 inq. 2 collections, and bk 2016

make 45k 

Have discover util 23 %, ollo 42% advant 20% opensky 2% and retail card together about 1%

i only have about 6500 dollars in cl right now. i need to have more credit

I recently bought a new car, 2 months old. and advant card at same time. 

suggestion? should i apply or wait it out? 

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What is your AAOA and AoYA? Have you had any recent declines?

NFCU is pretty easy going and IMO, you'd be approved. But to get a decent CL, I suggest not carrying a balance on all your CCs. Maybe get the Ollo to less than 28.9% before applying. 

Hopefully, you "want" to have more credit; not "need" to have more credit. 

GL2U

[excop01]

so aaoa is 1 yr 5 months 

and aoya is 12yrs 2 m

 Thanks so much for responding. 

[Anonymous]

AoYA is Age of Youngest Account. Your youngest account is 12yrs 2m? Or oldest?

[excop01]

oh my bad my aoya is 3 months

[CreditInspired]

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@excop01 wrote:

oh my bad my aoya is 3 months

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IMHO, I would wait for the AoYA to turn 12 mos before applying; and as noted earlier, getting Ollo down to <28.9%. I suggest this so hopefully you won't start with a toy credit limit.

GL2U