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All, seeking a little guidance. I have had the NFCU nSecured credit card for 18 month. Have the NFCU GoRewards $10K limit for 1 yrs.
Want to app for NFCU Amex. Current uti. Is 1%. Down from 80%.
All FICO 8's are @630.
Any advice????
@Anonymous wrote:All, seeking a little guidance. I have had the NFCU nSecured credit card for 18 month. Have the NFCU GoRewards $10K limit for 1 yrs.Want to app for NFCU Amex. Current uti. Is 1%. Down from 80%. All FICO 8's are @630. Any advice????
@Anonymous, Welcome to the forums, as long as you are past your 91/3 from last approval?
Gopher it!
For your reading time;
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729
Please keep us posted!
I say go for it, especially if your NFCU score reflects it as well.
Thanks for the input. Had very high utilization and was working them down.
NFCU is extremely generous.
Last NFCU score on APP. Was 645. Based on Eq9.
Have raised score 100 pts. In last 3 months lowering uti.
@Anonymous You are welcome!
Navy will love that your DTI is down,
that is one of the things they really focus in on.
I have not App. With them since last card. Only recent INQ. Was refi of mortgage to lower rate to 2.75 from 5.66.
Why are your scores so low after paying down utilization?
