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NFCU APPROVAL!!

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SCYD
Regular Contributor

NFCU APPROVAL!!

So Tuesday of this week my membership with NFCU was finally accepted.   It wasn't delayed because of the fraud alert on my credit report or my married vs maiden name, but all because the Customer Service Rep who took my app, misprinted my name.

 

Anyways, I applied for the Cash reward Visa  and received the 3-5 message.  30 minutes later received a "within1 day"message and yesterday I received a message  which said "APPROVED" Smiley Happy  Signature Cash Reward Visa $7,500.00 CL; prime plus 9.4%. (Good /  Bad?)

 

I am totally ecstatic.  My score with Equifax is 658.  Bankruptcy in Oct 2010.  Just started working on my credit within the last month.  My highest CL on other cards is $2,500.00, which is a Visa with my local credit union.

 

I've read great things about this card on this forum.  Not sure what the Signature part means, but extremely happy with the CL. 

 

Now I will start working on HUbby's credit and of to garden until the end of the year on mine, when I plan to apply for a car loan.

 

Thanks for are the great input on this forum !!!Heart

 

 

BK 7 DC'd 10/2010
Scores (03/17/16): EQ: 704 / TU: 725 / EX: 694 / Cap1 QS1: 6.5K / CU: 7.5K /
JC Penney: 10K/ Chevron: 4K / Target: 500 / Macy's 17.2K/ NFCU Sig. Visa Cash Reward:22K / NFCU Flagship 22K/NavChk:15K / NavChk:7.5K(joint)/WF Plat:15K / WF Propel Amex:5K/DIscover 10K/USAA Visa 14K/USAA Amex 14K/Nordstrom 10K/TJ MAxx 10K/BP Visa 6.5K
Message 1 of 17
16 REPLIES 16
MsLadyRover
Valued Contributor

Re: NFCU APPROVAL!!

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 2 of 17
baller4life
Super Contributor

Re: NFCU APPROVAL!!

Nice starting limit and apr!! Welcome to the Navy Fed family!!
Message 3 of 17
mo15473
Contributor

Re: NFCU APPROVAL!!

Congrats and welcome to the family.

Message 4 of 17
coldnmn
Mega Contributor

Re: NFCU APPROVAL!!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 17
SCYD
Regular Contributor

Re: NFCU APPROVAL!!

Thanks All!!Smiley Happy

BK 7 DC'd 10/2010
Scores (03/17/16): EQ: 704 / TU: 725 / EX: 694 / Cap1 QS1: 6.5K / CU: 7.5K /
JC Penney: 10K/ Chevron: 4K / Target: 500 / Macy's 17.2K/ NFCU Sig. Visa Cash Reward:22K / NFCU Flagship 22K/NavChk:15K / NavChk:7.5K(joint)/WF Plat:15K / WF Propel Amex:5K/DIscover 10K/USAA Visa 14K/USAA Amex 14K/Nordstrom 10K/TJ MAxx 10K/BP Visa 6.5K
Message 6 of 17
Creditaddict
Legendary Contributor

Re: NFCU APPROVAL!!

go apply for a navcheck line of credit for $15k!

Message 7 of 17
madmann26
Valued Contributor

Re: NFCU APPROVAL!!


@Creditaddict wrote:

go apply for a navcheck line of credit for $15k!


You bad influencer you.

 

Seriously, congrats and welcome to the family.

 

(seriously, go app for the navcheck)

Current FICO 9 Scores



Message 8 of 17
SCYD
Regular Contributor

Re: NFCU APPROVAL!!


@Creditaddict wrote:

go apply for a navcheck line of credit for $15k!


I thought about it, but I don't know if I would be approved and I hate to have another Hard Pull.  I was surprise to get such a high limit with the Visa.

 

I have 14 inquiries right now.  2 from this year (April and June), 10 from 2013 (From Jan  - October)  and 2 from 2012 (due to fall off in September).  My score dropped 1 point after this inquiry, I'm hoping to gain a few points after CC reports.

 

 

BK 7 DC'd 10/2010
Scores (03/17/16): EQ: 704 / TU: 725 / EX: 694 / Cap1 QS1: 6.5K / CU: 7.5K /
JC Penney: 10K/ Chevron: 4K / Target: 500 / Macy's 17.2K/ NFCU Sig. Visa Cash Reward:22K / NFCU Flagship 22K/NavChk:15K / NavChk:7.5K(joint)/WF Plat:15K / WF Propel Amex:5K/DIscover 10K/USAA Visa 14K/USAA Amex 14K/Nordstrom 10K/TJ MAxx 10K/BP Visa 6.5K
Message 9 of 17
madmann26
Valued Contributor

Re: NFCU APPROVAL!!

Yes, NFCU will probably HP you again, however, they don't seem to care about inquiries.

 

Call and apply. Smiley Very Happy

 

Current FICO 9 Scores



Message 10 of 17
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