Navy Federal Cli and second card question

[KarisMcc]

Hey there!

I needed quick advice on how to approach a certain situation with NFCU. I currently have a Go rewards with a $1600 limit. Ive had the card since October 2016 but my utilization has always been pretty high. I'm paying it off by the end of the month and wanted to know how long or if I should wait a few months while keeping my utilization low before 

1. Applying for a second card

2. Requesting an increase

My scores are currently TU 659 Ex 690 EQ 679

[Anonymous]

Somewhat of a similar boat. Mine was open 7/15, 1500sl, no cli, high util last year. Paid it December and have spent every month using it to almost full or even over (with middle month payments to prevent going over while still using over $1500) and having it report 1% every month. No Auto cli's and I think I have gained enough good will to attempt a cli next month after the AR.

Having not done it, I would do the same and put several months to 6 of excellent card management in before asking, but you never know. They could do it now for you. If you decide to go, let is know the details.

[Anonymous]

You can go for it once the balance shows $0 on the credit reports....OR/AND wait until your FICO 9 goes a bit higher.