Another reason to wait... I just discovered my $10k Amex (2nd statement cuts Monday) has yet to report to the CRAs which from what I gather from threads here is pretty common... Amex taking a couple months to report new accounts.
That being said I am definitely waiting because when Amex reports my UTI will go even lower and I may even gain a few points.
@TRC_WA wrote:Another reason to wait... I just discovered my $10k Amex (2nd statement cuts Monday) has yet to report to the CRAs which from what I gather from threads here is pretty common... Amex taking a couple months to report new accounts.
That being said I am definitely waiting because when Amex reports my UTI will go even lower and I may even gain a few points.
Or you could lose some points.
@SouthJamaicawrote:Or you could lose some points.
True.
Not a huge deal either way but I am leaning towards waiting anyway because pretty much every thread and video I've seen has said that establishing a relationship with NFCU first is the best route.
My TU score is my worst... my EQ is my best... so if I can get a card the CLIs should be automatic.
I know I could probably get one now but I do have recent new accounts so thinking of waiting till 2023... but we'll see.
Will update this thread once I apply.
@TRC_WA wrote:Will update this thread once I apply.
... and I applied today and was denied... so will just try again later. I'm gonna email them a recon request but I'm not going the secured card route.
Thread closed.
