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NFCU 3RD CARD

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Member

NFCU 3RD CARD

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????

Message 1 of 8
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Epic Contributor

Re: NFCU 3RD CARD


@POWERUP20 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????


@POWERUP20, 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...

 

Please keep us posted!

Message 2 of 8
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Valued Contributor

Re: NFCU 3RD CARD

I say go for it, especially if your NFCU score reflects it as well. 

12/18/19




05/27/20





Cards

Authorized User
Message 3 of 8
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Member

Re: NFCU 3RD CARD

Thanks for the input. Had very high utilization and was working them down.

NFCU is extremely generous.

Message 4 of 8
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Member

Re: NFCU 3RD CARD

Last NFCU score on APP. Was 645. Based on Eq9.

Have raised score 100 pts. In last 3 months lowering uti.

Message 5 of 8
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Epic Contributor

Re: NFCU 3RD CARD

@POWERUP20  You are welcome!

Navy will love that your DTI is down, 

that is one of the things they really focus in on.

Message 6 of 8
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Member

Re: NFCU 3RD CARD

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.

Message 7 of 8
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Community Leader
Super Contributor

Re: NFCU 3RD CARD

Why are your scores so low after paying down utilization?







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