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Little_Lulu
Contributor

NFCU

Is there a time frame a person should wait in between credit card apps?

 

I applied back to back a few weeks ago and they told me they couldn't give me any more credit. My grandparents want to apply for a second card. It's been a few weeks since their last app. 

Message 1 of 5
4 REPLIES 4
Scupra
Super Contributor

Re: NFCU


@Little_Lulu wrote:

Is there a time frame a person should wait in between credit card apps?

 

I applied back to back a few weeks ago and they told me they couldn't give me any more credit. My grandparents want to apply for a second card. It's been a few weeks since their last app. 


Without much info it sounds like you may be at your internal limit with NFCU. Navy doesn't seem to care about time between apps.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
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Message 2 of 5
1GaDawg85
Valued Contributor

Re: NFCU


@Little_Lulu wrote:

Is there a time frame a person should wait in between credit card apps?

 

I applied back to back a few weeks ago and they told me they couldn't give me any more credit. My grandparents want to apply for a second card. It's been a few weeks since their last app. 


i would give it a year


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 3 of 5
leegreen
Frequent Contributor

Re: NFCU

If you do it right away chances for a denial are high. However, if you are willing to move some of your CL from the existing to open the new they will normally do it on request via SM.
06/26/2014 - Gardening until 7/1/15
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Message 4 of 5
Creditaddict
Legendary Contributor

Re: NFCU


@Little_Lulu wrote:

Is there a time frame a person should wait in between credit card apps?

 

I applied back to back a few weeks ago and they told me they couldn't give me any more credit. My grandparents want to apply for a second card. It's been a few weeks since their last app. 


Navy got super tight on the 2nd card approvals because it's a backdoor into possible future SP CLI.

Your grandparents can apply and upon decline they can send a secure message online and ask that $1k (minimum) from their 1st card be taken to open the 2nd card.

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