NFCU...

[Anonymous]

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@Applemanwrote:

Congrats on beating cancer! Now to beat the cancer that is credit card debt.

I assume you scores are beat down with the high utilization and it sounds like Barclays and AMEX are punishing you for the high utilization.

With you solid pay history you may want to see if you qualify for a personal loan. Try SoFi.com and Lending Club to name a few that will let you do a soft pull for qualification. Some don't mind a higher utilization with a solid income and strong payment history.

If you do qualify this will dramatically improve your credit scores as FICO views a Personal Loan more favorably than high credit card utilization. 

Good luck!

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Yeah, my scores went from high 700's to low 600's.......lowest is 613...scary. Have.t seen that for long time. Thx for the info, will check em out. I have 100% no lates, no missed pymts....

[AverageJoesCredit]

Meatman, i am super happy to hear you are doing better and great job beating cancer. Ive been here long enough to remember your journey into Navy and look forward to your continued journey. Bless you and your family

[Anonymous]

So happy your health situation has done a 180. Continued positive thoughts to you @Anonymous

[CreditInspired]

Of course, anything can happen OP but I disagree that NFCU will take an adverse action and especially if you have been a long-time member. For 2 years, my brother was between 90-99% utilization on his Go Rewards card ($8K limit). My girlfriend is 90% on her $15K cash rewards card and no AA. Both make a little bit above minimum payments. Matter-of-the-fact, my brother just applied for the NFCU AmX and got a $7K credit limit. 

Happy that your health has taken a good turn for the better.

[Anonymous]

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@Anonymouswrote:

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@K-in-Bostonwrote:

NFCU like most lenders will reduce credit lines or close accounts if there is a substantial change in your credit. Barclaycard is notorious around here for it.

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I hear ya....I got cancer and it was diagnosed stage 4, 1.5 years ago, right when I signed up with NFCU...been using lots of credit to survive. Now I am cancer FREE and back to work......My UT is high across the board currently. Hoping NFCU doesn't do anything. Discover reduced my CL along with Amex.....besides those three, all the others are ok...no missed pymnts at all. I was thinking of sending NFCU a PM sharing why the change in profile due to illness......What are your thoughts on that.....K-in-Boston

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I am happy you are doing better and hope everything works out for you.  I wouldn't give them any ideas so I am agreeing with other posters and think you should say nothing unless NFCU takes adverse action. 

[Anonymous]

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@Anonymouswrote:

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@Anonymouswrote:

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@K-in-Bostonwrote:

NFCU like most lenders will reduce credit lines or close accounts if there is a substantial change in your credit. Barclaycard is notorious around here for it.

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I hear ya....I got cancer and it was diagnosed stage 4, 1.5 years ago, right when I signed up with NFCU...been using lots of credit to survive. Now I am cancer FREE and back to work......My UT is high across the board currently. Hoping NFCU doesn't do anything. Discover reduced my CL along with Amex.....besides those three, all the others are ok...no missed pymnts at all. I was thinking of sending NFCU a PM sharing why the change in profile due to illness......What are your thoughts on that.....K-in-Boston

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I am happy you are doing better and hope everything works out for you.  I wouldn't give them any ideas so I am agreeing with other posters and think you should say nothing unless NFCU takes adverse action. 

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Actually, not only have they not taken any AA....I was looking at motorcycles and been wanting one for several years..cancer deal showed me, life is fragile so I found one I liked and applied with NFCU...APPROVED in 5 mins and they of course pulled my EQ which is 53 points lower than when I joined. If they were gonna do any AA they certainly would not have approved the loan...NFCU rocks.....and life is good