NFCU Question

[hersheykisses]

Should i apply for credit card and line of credit now (current score 644 eq) i realize my limit will be low but they do have a "luv" button and im sure it would increase over time. OR shall i wait until the end of the year when my score will go up and all my inquiries will be off, then i will  get a higher limit to start with.  THOUGHTS?????

[jobber123rd]

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@kerbear1969 wrote:

Should i apply for credit card and line of credit now (current score 644 eq) i realize my limit will be low but they do have a "luv" button and im sure it would increase over time. OR shall i wait until the end of the year when my score will go up and all my inquiries will be off, then i will  get a higher limit to start with.  THOUGHTS?????

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Not necessarily.  (Case in point)  NFCU is notorious for giving high CLs.

[j_casteel]

Myself and many others find there is no need to wait to apply when it comes to NFCU.

Good Luck

[webhopper]

There is not a good reason to wait in my honest opinion

[hersheykisses]

thanks to those that have responded, i will keep you posted.  Im going to wait until next month reason being is my CL just got increased on my Macys American Express to 5k from 1500 and store card from 1200 to 2K, the utilization will look better than my current 67%.

[Anonymous]

There is no reason to wait

[Anonymous]

To be honest it wont matter with NFCU

[hersheykisses]

Hmmm interseting well then my question would be apply online or via phone?

[Anonymous]

You got to realize one thing with NFCU what ever standards that have been set by other lenders, you can throw it out the window with NFCU, there simply the most generous of the credit card world look at my siggy. Just app online you may get the 5-7 day message but I wouldnt worry. 

[starry1]

Adding one more vote to "no reason to wait with NFCU".