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I just opened a NFCU account on Saturday. Bank account opened with $20.
I have a thin file but there are no lates.
I have a credit card with Wells fargo for 15 months now (was secured and now its a revolving).
I have a car loan paid down from 18k to 6k.
No lates on anything.
7 year credit file
My credit scores are 760, 720, and 730.
All I need is a card with a credit line of 2500-3000. I wouldn't think that would be difficult with my credit profile.
@Anonymous wrote:...
My credit scores are 760, 720, and 730.
...
When you say your scores are 769, 720, 730 ... what type of score are they? Experian FICO 9 from WF? The place you're getting them from should tell you the source of the score and what 'formula' is being used. Those details will make a big difference in the reliability and usefulness of the number.
If those were FICO 8 or FICO 9 I would be surprised if you couldn't get 3k from most lenders, assuming average income, probably more from somewhere that has a history of being generous like NFCU.
Do I need to wait a certain amount of months before applying or do you think i'm ok to try?
You haven't applied for anything else recently, you should be fine making one with NFCU. It will depend a little on which card you're aiming for too.
What is your longer term plan/goal? What's next if you're approved, or denied?
I opened an account at 2:15 pm yesterday. I applied and had a Cash Rewards Visa approved by 2:30 pm. I'll have the card in my hand before the end of the day tomorrow. Would have been in my hands today, but I didn't take expedited shipping. Then I remembered I was going out of town. Called them at 11:45 pm last night, they canceled the other card and are overnighting a new one. Super impressed with their customer service in just one day.
oops... i applied to Chase on Saturday. Got a 30 day decision response then called today and found out I was declined due to insufficient credit file.
It's ok, I had 6 app's since March and NFCU still approved me. But, I have 25 years of credit history, so yeah....
@Anonymous wrote:I just opened a NFCU account on Saturday. Bank account opened with $20.
I have a thin file but there are no lates.
I have a credit card with Wells fargo for 15 months now (was secured and now its a revolving).
I have a car loan paid down from 18k to 6k.
No lates on anything.
7 year credit file
My credit scores are 760, 720, and 730.
All I need is a card with a credit line of 2500-3000. I wouldn't think that would be difficult with my credit profile.
- I opened an account with Navy Federal with $20. What should I do next? How can I get a $3000 credit card line?
- Is it too early to apply for a credit card with Navy Federal? Should I wait to apply for a credit card since I just opened the bank account?
- Did I add enough money to the bank account? Should I transfer at least $100? Does it make a difference?
- Are they as picky as Chase? Will they care if I have a thin credit file?
Just apply for the card of your choice. With your scores, you'll probably get more than a $3,000 limit. They are not nearly as picky as Chase and you don't need to add anything to the bank account unless you want to. They're fine with thin files.