I wanted a rewards card but also an increased credit line to help with util. Would you advise also applying for a second card?
how long have you had first card?
do you have checking line of credit already? limit?
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
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).
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?