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I don't think high usage nets an easier second approval. I use my cards for little things and never had issues. It depends on your scores and what card you started out with limit wise.
Just make sure you wait 91 days and for your third statement to cut, they are very strict in regards to that.
@Jnbmom wrote:I don't think high usage nets an easier second approval. I use my cards for little things and never had issues. It depends on your scores and what card you started out with limit wise.
Just make sure you wait 91 days and for your third statement to cut, they are very strict in regards to that.
+1
Totally agree. Heavy usage won't necessarily step things up for chances on another NFCU approval. Regular usage-PIF- Yes
However i just discovered, whether right or wrong, that they may just look for that when it comes to a 3rd card.
Only last week i was denied straight out for card #3 with them. However Monday received a SP CLI on one of my pair of existing cards bringing it to 25K. They had no hesitation on that, it was instant.
NFCU definitely likes to be your primary which is why they issue such large limits (and why they are also tolerant of you actually using your limits to levels other lenders would freak out and take AA for) but I don’t think they really get too miffed when you don’t use them a lot either.
@AverageJoesCredit wrote:
Navy should drop the bomb and give us a 2.5% card!. Id cancel all my accounts and just use one credit card lol😁
If they would make the cashRewards a 2% card, I would throw a lot of spend at them. They would basically get anything that wasn’t utilities or Amazon.
NFCU doesn’t count AUs in maximum exposure and their idea of comfortable exposure is much higher than the big banks anyway. I’m at $15,200 on $18K income right now and there’s apparently still room to grow some more. Probably about $2K more.
They are FAR more likely to give most a second card than a huge CLI though so be aware of that.
@AverageJoesCredit wrote:
Navy should drop the bomb and give us a 2.5% card!. Id cancel all my accounts and just use one credit card lol😁
Now wouldn't that shake up all the other lenders.
I wished they would offer 12-month 0% interest like Disco. Then they would be my daily driver. That's what I would love to see