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Established Member
Posts: 15
Registered: ‎12-13-2015

NFCU - HOLY SCHNIKIES!!!

Stunned is such an appropriate word! 

 

I've been reading lately about NFCU and how good they can be. My son is Navy but never thought about joining the CU until a couple days ago. Today I decided to join. As a matter of fact I joined 2 hours ago. I started my membership and figured I'd app for one of their cards tomorrow. After reading a bit more about them and their practices, I decided to app for the Flagship Visa an hour ago. I received the usual 24 hour message and crossed my fingers.  I recevived a text from them within minutes of apping saying that it's under review. I logged out and read a bit more here and felt good about my odds with NFCU. I closed my browser and got on with my day. 3 minutes later I receviced a text saying I was APPROVED! I was stoked! I logged into NFCU and Checked the application status of the CC. Not only was I approved for the Flagship Visa, I have a SL of $24k!!!!

 

My FICO's are in the 660's with only my student loans showing as baddies. Long story short but they have been paid off for over 2 years. I also have a Chase with a 6k limit and a Capital One with $3.5k. My util is over 85% due to an unforseen issue but I pay a bit above the minimums each month and am always ontime. I have no CO's and no BK's.

 

I've been an avid reader of these boards and have gained a lot of knowledge regarding my credit over the last 2 years. Tip of my hat to all of you that make it worth while!

Valued Contributor
Posts: 2,633
Registered: ‎10-31-2011
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Re: NFCU - HOLY SCHNIKIES!!!

Congrats OP, that one heck of a nice SL and it'll sure help out your over all utility once it reports Smiley Wink

Super Contributor
Posts: 9,557
Registered: ‎04-23-2016

Re: NFCU - HOLY SCHNIKIES!!!

The Legend that is Navy continuesSmiley Happy CongratsSmiley Happy


Best title of the daySmiley Happy (R.I.P. CF)
Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016
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Re: NFCU - HOLY SCHNIKIES!!!

Congrats on your Navy approval!! Awesome SL
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Established Contributor
Posts: 531
Registered: ‎02-22-2017
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Re: NFCU - HOLY SCHNIKIES!!!

Congratulations on the very nice approval! Maybe you can BT to the Flagship at 0% from the Chase and Cap1? 

 

Gotta love NFCU!!!!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Established Contributor
Posts: 505
Registered: ‎02-12-2017

Re: NFCU - HOLY SCHNIKIES!!!

Wow PhilCo super congrats on your awesome NF approval! 😊
Valued Contributor
Posts: 2,263
Registered: ‎06-19-2016
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Re: NFCU - HOLY SCHNIKIES!!!

Congrats! I really want to get in with NFCU!
American Express PRG__American Express BCE__Chase Amazon__Chase United TravelBank


Valued Member
Posts: 56
Registered: ‎04-05-2017
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Re: NFCU - HOLY SCHNIKIES!!!

Congratulations!  I had the same surprise last week, NFCU is the best CU I ever seen.

NFCU Platinum $1700.00; Capital One Platinum $300.00; Discover (secure) $200.00; Bank One $300.00 (April 2017)

NFCU Platinum $1700.00; Capital One Quicksilver $750.00; Discover (secure) $200.00; (September 2017)
Community Leader
Super Contributor
Posts: 13,403
Registered: ‎09-13-2013

Re: NFCU - HOLY SCHNIKIES!!!

Fabulous!! Gotta love Navy Fed!
Valued Member
Posts: 60
Registered: ‎03-27-2017
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Re: NFCU - HOLY SCHNIKIES!!!

Do you mind providing some data points? income, and fico scores.

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