To NFCU or not? Or wait a bit longer?

[Bay_Area_Joe]

Well,

Pretty simple question, to NFCU or not? or Not right now?

I have lots of credit, with my last app spree on 3-13-13. With Pen Fed, Sams Discover, Chase Priority being new.

On EQ I currently have 5 Inq in last two years, and 3 of those are over 1 year.

On TU only 1 Inq on 3-13-13.

So, the question is.... 

Do I have too much credit to get any more new accounts ?

Is NFCU going to react neg with those new accounts?

My AAoA is now 4.1 years, oldest  is over 22 years.

Highest CL is Pen Fed LOC at 20k, but many others not far behind.

Should I wait even longer for EQ Inq to age or should I go for it?

Current UTL is less than 2% and only one account reporting a balance.

My EQ Fico should be about 770 now, last pull a while ago.  No baddies at all.

I am really disapointed in WF and my lines and accounts, was thinking of switching everthing to either Ped Fed or NFCU.

Any thoughts would be appreciated.

Thank you,

J

[improvingmycredit]

Hey Bay_Aera_Joe!
Don't wait. You'll likely get approved instant 25K for what ever CC you apply. Your profile is similar to mine tho my AAoA is longer. Instant approval 25K no problems. Carry 2 cards now- both 25K. Best of luck to you.

[chnceit]

Do it Good luck!