NFCU Approvals

[Anonymous]

I wanted a rewards card but also an increased credit line to help with util. Would you advise also applying for a second card?

[Creditaddict]

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@Anonymous wrote:
I wanted a rewards card but also an increased credit line to help with util. Would you advise also applying for a second card?

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how long have you had first card?

limit?

balance?

do you have checking line of credit already? limit?

[Anonymous]

Current card: Platinum. Activated on 12/3/2015. Approval date 12/1.SL 3,500. Used about 57% of it. <--Using as my everyday card, which is the reason I plan to upgrade it to a rewards card.  

EXP: 623 TU: 650 EQU: 648

[Anonymous]

No LOC yet. Heard they would more than likely require income verification and my current job is non-traditional so no stubs to give.

Also, I have student loan accounts (all paid on time bc deferred) that have been opened for 9 years, maybe I can use that to address havinga short credit history (under a year).

[Creditaddict]

Just product change for now and start earning rewards but to soon for another card or cli with a 60+% utilization

[Anonymous]

Thank you for that. I realized I was mistaken. credit util is not 60+, it's actually  55% for NFCU card and 40% overall credit util of all lims. I also have a credit history of 1 year and 9 months. Does this change what you would advise? Is it still a bad idea to app for a second NFCU card OR ask for a CLI in addition to PC?

[Creditaddict]

Yes, you are to new and using to much of your credit to ask for cli or another product if you don't want to prove income.
Are you pre-qual for any cap1 cards?
Might be worth adding something like nba Amex and Cabela's if you want to bring utilization down and get some additional credit

[Anonymous]

Pc'd to Gorewards! Finally gonna get rewarded for use. Thanks for the recommendation.

Now I have the following:

Delta Gold Amex--$1k
Cap one QS one--$1k
NFCU gorewards--$3,500
Southwest RR Chase--$2,500
Macy's store card--$2k
Credit One-$300

Total CL: $10,300

I considered NBA Amex but it looks like they use exp and my score doesn't seem so great (623) plus I have 6 hq's on it vs 2 hq's on TU with a 650. Is there a way to request which CR they pull?


EXP: 623 TU: 650, EQU: 648

[Creditaddict]

Close credit one asap!
No for nba

[Creditaddict]

But considering you got Amex, nba might be a go!