Approved NFCU $14,000

[orl22]

I've been telling my sister to join NFCU since the beginning of the year. Over the summer, she moved her kids back in at my parents house b/c her husband was going to Afghanistan for a year. I got to nag her some more to join. Even though, I didn't feel ready to open another card, I wanted her to join first. She finally joined a couple weeks ago. I was going to wait until next month when I would have 1 card reporting a balance but that plan went out the window when I bought the wife a new ring on my BOA card. I went ahead and applied for the Nreward online. Instant approval for $14K @ 10.74. I was thinking $15K  to start but this is still my highest limit. I'll take $14K without any complaints. 

They pull TU for the membership. Not sure what's it's going to be for the card yet. 

[MountainHiker]

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@orl22 wrote:

@I've been telling my sister to join NFCU since the beginning of the year. Over the summer, she moved her kids back in at my parents house b/c her husband was going to Afghanistan for a year. I got to nag her some more to join. Even though, I didn't feel ready to open another card, I wanted her to join first. She finally joined a couple weeks ago. I was going to wait until next month when I would have 1 card reporting a balance but that plan went out the window when I bought the wife a new ring on my BOA card. I went ahead and applied for the Nreward online. Instant approval for $14K @ 10.74. I was thinking $15K  to start but this is still my highest limit. I'll take $14K without any complaints. 

They pull TU for the membership. Not sure what's it's going to be for the card yet. 

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WOW.What a fantastic limit and sensational APR. Can I ask you a question? Did you have any baddies on your file?

Congrats and well deserved!!

[Epcot]

Nice! Congrats!

[webhopper]

Congrats! Very nice indeed! Welcome to the nfcu family!

[ObeyJohnny12]

Congrats! Very nice CL. 

[orl22]

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@MountainHiker wrote:

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@orl22 wrote:

@I've been telling my sister to join NFCU since the beginning of the year. Over the summer, she moved her kids back in at my parents house b/c her husband was going to Afghanistan for a year. I got to nag her some more to join. Even though, I didn't feel ready to open another card, I wanted her to join first. She finally joined a couple weeks ago. I was going to wait until next month when I would have 1 card reporting a balance but that plan went out the window when I bought the wife a new ring on my BOA card. I went ahead and applied for the Nreward online. Instant approval for $14K @ 10.74. I was thinking $15K  to start but this is still my highest limit. I'll take $14K without any complaints. 

They pull TU for the membership. Not sure what's it's going to be for the card yet. 

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WOW.What a fantastic limit and sensational APR. Can I ask you a question? Did you have any baddies on your file?

Congrats and well deserved!!

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Thanks guys. I have 1 30 day late on my BOA (5/11). I have a couple 30 days late on my HELOC. This is due to fall of middle of next year. I also have a CO on my Old Navy. This is due to fall off middle of next year also. The BOA late was the most recent of the baddies. Up until this year, I didn't really know much about credit and scores. So I didn't use credit cards all that much. I've learned a lot from people posting on this site. I owe it all to the Myfico community. Directly or indirectly, you've all helped me. And this year has been the most successful year so far. 

[Repo-ed]

insane

[MountainHiker]

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@orl22 wrote:

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@MountainHiker wrote:

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@orl22 wrote:

@I've been telling my sister to join NFCU since the beginning of the year. Over the summer, she moved her kids back in at my parents house b/c her husband was going to Afghanistan for a year. I got to nag her some more to join. Even though, I didn't feel ready to open another card, I wanted her to join first. She finally joined a couple weeks ago. I was going to wait until next month when I would have 1 card reporting a balance but that plan went out the window when I bought the wife a new ring on my BOA card. I went ahead and applied for the Nreward online. Instant approval for $14K @ 10.74. I was thinking $15K  to start but this is still my highest limit. I'll take $14K without any complaints. 

They pull TU for the membership. Not sure what's it's going to be for the card yet. 

---

WOW.What a fantastic limit and sensational APR. Can I ask you a question? Did you have any baddies on your file?

Congrats and well deserved!!

---

Thanks guys. I have 1 30 day late on my BOA (5/11). I have a couple 30 days late on my HELOC. This is due to fall of middle of next year. I also have a CO on my Old Navy. This is due to fall off middle of next year also. The BOA late was the most recent of the baddies. Up until this year, I didn't really know much about credit and scores. So I didn't use credit cards all that much. I've learned a lot from people posting on this site. I owe it all to the Myfico community. Directly or indirectly, you've all helped me. And this year has been the most successful year so far. 

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Very impressive!! Getting this type of credit limit is unheard of with banks unless the CR is near perfect.Well Done! Can I ask another over the top question? What salary range are you in? $25K-$50K, $50K-$75K, $75K-$100K?

Thanks

[orl22]

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Very impressive!! Getting this type of credit limit is unheard of with banks unless the CR is near perfect.Well Done! Can I ask another over the top question? What salary range are you in? $25K-$50K, $50K-$75K, $75K-$100K?

Thanks

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$50K-$75K. I'm at 724 on Equifax. 754 on Walmart TU. EQ has been claim 2 to 3 points a month. But the TU increases and decreases a lot depending on my usuage. I still have room for improvement. 

[Fenerbahce]

Funny thing is, when I was starting my good credit app spree, I went to Navy Federal and completed the application via my younger brother who is a Navy veteran 2 weeks ago. All I received from them was a thank you for applying email response and nothing else...So I went to PenFed instead the next week and got their Plat Rewards Visa, and some other cards. Yesterday I get an e-mail conratulating me on my membership with Navy Federal and get notified by Credit Karma of a new hard inquiry. I was done with my credit seeking and all but now since they've done a hard pull on me does that mean no more hard pulls for a credit card for an allotted time, or will they pull another report if I applied for a card? I figure I might as well have a nice line of credit since they hit me with an inquiry...any advice?