NFCU Cash Rewards Approval

[Anonymous]

I almost fell over! I have been with NFCU for just under 3 months and have the nrewards secured card with an $800 limit. My TU9 has skyrocketed since I was approved for that card. I was contemplating (in fact posted a thread about it) applying for a second card with them instead of waiting on them to graduate me. I said screw it and applied for a cloc of $500 which was instantly denied and a cash rewards. It came back with an automatic approval for a $15,000 sl! NFCU just more than doubled my credit! I have worked so freaking hard for this. Now I will sit back and wait for discover, cap1 and citi to unsecure and my trash card is getting closed. I still use my fingerhut but only for flower delivery every once in a while so I will let that sit. I have also been approved for $3k for Kays, $500 for Children's Place and $300 for Lane Bryant this week. I only apped those because they are places I spend money anyways and CP and LB have decent reward programs for card holders.

[Anonymous]

Wow.  That's a HUGE SL.  Congratulations!!!!!  Whoop!

[Anonymous]

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@Anonymouswrote:

I almost fell over! I have been with NFCU for just under 3 months and have the nrewards secured card with an $800 limit. My TU9 has skyrocketed since I was approved for that card. I was contemplating (in fact posted a thread about it) applying for a second card with them instead of waiting on them to graduate me. I said screw it and applied for a cloc of $500 which was instantly denied and a cash rewards. It came back with an automatic approval for a $15,000 sl! NFCU just more than doubled my credit! I have worked so freaking hard for this. Now I will sit back and wait for discover, cap1 and citi to unsecure and my trash card is getting closed. I still use my fingerhut but only for flower delivery every once in a while so I will let that sit. I have also been approved for $3k for Kays, $500 for Children's Place and $300 for Lane Bryant this week. I only apped those because they are places I spend money anyways and CP and LB have decent reward programs for card holders.

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@Congratulations I'm new to NFCU too and I am waiting my 91 days per The Admiral @Anonymous to app for my 2nd card. NFCU is really showing LUV!

[Anonymous]

Genius, 

It really is! I am pretty stoked about it. I am sock drawering my citi and cap1 cards and only using them for a single autopay thing a month now. I will be closing the secured line at NFCU. No sense having an $800 toy line when they gave me a real spending limit that I can actually utilize within my means without worrying about utilization.

[shoegal]

Congrats on that amazing starting limit and improved scores! 🎉

[simplynoir]

Very nice approval there congrats!

[Anonymous]

Wow. Congrats .Do you mind sharing some data points? Scores in particular. 

[Anonymous]

Sure!

My FICO9 scores which is what I was told NFCU uses are EQ 668, TU 671, and EX 638. My FICO8 scores are currently EQ 632, TU 633, and EX 643. Only baddies are paid off and 5+ years old plus a couple 30-day lates that are almost 2 years old now. I have 4 secured cards with limits of $800, $500, $200 and $200, an unsecured subprime with a $450 limit, and Fingerhut with a $750 limit plus two AU accounts with limits of $6500 and $2500. My utilization is reporting at 16% right now.

[AverageJoesCredit]

Navy, THE INSANE LIFE

Navy, its whats for dinner

[jlitnns]

Congrats! I'm hoping to see some love from NFCU when I hit my 91/3 in mid-April.