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When to apply for navy fed CLOC?

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Valued Member

When to apply for navy fed CLOC?

Just looking for some advice on how soon i should apply for a navy federal cloc? I currently only have there secured card with them and have had if for about a month. My credit scores are fairly close to 625 across all 3 bureaus and i have a few lates over 2 years ago. I also currently have a student loan in collections that i am doing the forgiveness program on. 

 

Let me know what you think! Also how soon should i wait to apply for a unsecured card with them?

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Community Leader
Super Contributor

Re: When to apply for navy fed CLOC?

Is the secured card your only TL?

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 2 of 4
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Valued Member

Re: When to apply for navy fed CLOC?

No, I also have a cap1 platinum unsecured ive had for about 3 months now, and a discover it secured ive had for about 2 months. 

Message 3 of 4
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Community Leader
Super Contributor

Re: When to apply for navy fed CLOC?

IMHO if I were you I would wait at least 12 months. Give your Cap1 time to age and the secured cards time to unsecure.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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