I know that NFCU looks at more than FICO score when deciding on approvals. Has anyone been approved with high utilization? My utilization is around 53%. My scores took a big hit as a result. EX 638 TU 644 EQ 643. (I know the most logical thing would be to pay down debt first). I just really don’t have the extra cash right now, and was hoping to get a CC with a decent limit to help with utilization. So again, anyone approved for a card even though you have high utilization? Thank you in advance for your replies.