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Regular Contributor
Jess21
Posts: 162
Registered: ‎04-03-2014
0

Re: HP for NFCU membership?


JaB8199 wrote:
To OP
NFCU HP TU for me upon joining. I opened a savings & checking in February. One month later I app'd for NavCheck. A few weeks ago I received an invitation by mail to app the Cash Rewards. Both, NavCheck & cc app was HP on EQ.
If you are rebuilding, I say go for it, it's worth it. I was hesitant to app the Cash Rewards due to recent card approvals, four in the past months. @Creditaddict gave me the push to app, & I'm glad for it.
DH was recently approved for a Cash Rewards ($5,000) with EQ of 595. His utility was 10% at the time he app'd. GL!

Thank you.  I really want a higher CL, my higher is only 2k and I just got it with HhGregg and it has $1,400 bc i used it for a new washer and dryer with 24 no interest, that balance is not reporting yet though, the CL is but not the balance. EQ is also my lowest score :smileysad:  im soo afraid of a denial.  I also have 4 items in pending dispute with EQ so I should probably wait until those I removed (I REALLY HOPE THEY ARE REMOVED).  30 days are up next week :smileyhappy:

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Regular Contributor
Jess21
Posts: 162
Registered: ‎04-03-2014
0

Re: HP for NFCU membership?

I went ahead and joined.  The lady on the phone was super nice and said it would be 7-10 to get my account set up and going. :smileyhappy:  Lets hope it is for the good

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Established Contributor
JaB8199
Posts: 569
Registered: ‎12-14-2013
0

Re: HP for NFCU membership?

Great! When you're able to view your account online, if you get an offer to app for Cash Rewards, give it a go. They will more than likely approve you.
Welcome to the NFCU family!

NPSL$4.5K$3K$2.8K$2K$4K$4.8K$11,000
EDP$7K*[NFCU LOC $15,000] FICO: EX: 702 EQ: 698 TU: 715 *as of 6/7/14
Established Contributor
JaB8199
Posts: 569
Registered: ‎12-14-2013
0

Re: HP for NFCU membership?

Oh. & The checking line of credit also.

NPSL$4.5K$3K$2.8K$2K$4K$4.8K$11,000
EDP$7K*[NFCU LOC $15,000] FICO: EX: 702 EQ: 698 TU: 715 *as of 6/7/14
Regular Contributor
Jess21
Posts: 162
Registered: ‎04-03-2014
0

Re: HP for NFCU membership?

well she said 7-10 days but just created my online account :smileyhappy:

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
New Member
Madcat207
Posts: 3
Registered: ‎04-25-2014
0

Re: HP for NFCU membership?

So, like the OP, i decided to join NFCU this week (figured while i can, i may as well). Despite what the phone people said, I too had a HP on my credit. I hemmed and hawed a few days, but today decided that i may as well put my HP to use. Decided to apply, and got $25k! That that my credit was bad (previous best was a 13K CSP), but i wasn't really expecting it. the only question - how long does it take for the card to show up on your account? I guess i am paranoid, but with places like Chase, my cards have shown up instantly. I know a CU is probably slower, but any input?
Regular Contributor
Jess21
Posts: 162
Registered: ‎04-03-2014
0

Re: HP for NFCU membership?

UUUHHH IT SAYS YOUR PRE-SELECTED FOR CASH REWARDS VISA....aHHHH THIS IS SOOO TEMPTING!!!!  IF I WASNT DISPUTING THOSE COs ON EQUIFAX i WOULD APPLY but Ill wait ahhh lol

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Contributor
hyp0luxa
Posts: 99
Registered: ‎10-24-2013
0

Re: HP for NFCU membership?


Jess21 wrote:

UUUHHH IT SAYS YOUR PRE-SELECTED FOR CASH REWARDS VISA....aHHHH THIS IS SOOO TEMPTING!!!!  IF I WASNT DISPUTING THOSE COs ON EQUIFAX i WOULD APPLY but Ill wait ahhh lol


I would go ahead and apply. They already SP'd your EQ report.


Last HP 8/27/2014 | Gardening till March 2015 at least...
AMEX PRG - NPSL | NFCU Cash Rewards - 20k | Chase CSP 16.8k | Citi Dividend - 6.7k | BOA Cash Rewards - 6k | Chase Freedom - 5k | PayPal Extras MC - 5k | Cap1 QS One - 4k | Barclays Apple Visa - 3.5k | WalMart Discover - 3k | AMEX Everyday - 2k
Regular Contributor
Jess21
Posts: 162
Registered: ‎04-03-2014
0

Re: HP for NFCU membership?

but dont you think those baddies being disputed would prevent me from getting a higher CL?  I dont need another card with $1500 CL lol I would like higher lol

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Contributor
hyp0luxa
Posts: 99
Registered: ‎10-24-2013
0

Re: HP for NFCU membership?

[ Edited ]

I had 2 collections (now gone) on my EQ when I applied, my score was 653. They gave me 20k... just sayin'

waiting could mean the difference between 5k and 10k+ though...


Last HP 8/27/2014 | Gardening till March 2015 at least...
AMEX PRG - NPSL | NFCU Cash Rewards - 20k | Chase CSP 16.8k | Citi Dividend - 6.7k | BOA Cash Rewards - 6k | Chase Freedom - 5k | PayPal Extras MC - 5k | Cap1 QS One - 4k | Barclays Apple Visa - 3.5k | WalMart Discover - 3k | AMEX Everyday - 2k

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