Credit Card Center Advertiser Disclosure

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


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: 2,606
Registered: ‎10-31-2011
0 Kudos


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

Senior Contributor
Posts: 8,313
Registered: ‎04-23-2016


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
0 Kudos


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: 527
Registered: ‎02-22-2017
0 Kudos


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: 506
Registered: ‎02-12-2017


Wow PhilCo super congrats on your awesome NF approval! 😊
Valued Contributor
Posts: 2,173
Registered: ‎06-19-2016
0 Kudos


Congrats! I really want to get in with NFCU!
My Cards:
American Express PRG-American Express BCE-Chase United Mileage Explorer-Chase Amazon
Established Member
Posts: 41
Registered: ‎04-05-2017
0 Kudos


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
Community Leader
Super Contributor
Posts: 13,401
Registered: ‎09-13-2013


Fabulous!! Gotta love Navy Fed!
Valued Member
Posts: 53
Registered: ‎03-27-2017
0 Kudos


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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.