Reply
New Contributor
Posts: 70
Registered: ‎08-23-2010
0

Thanks all! NFCU $10,000 CL!

Thanks guys. Without this board, I never would have even known they existed. Worked out well for me. Thank you for your insight.

New Contributor
Posts: 70
Registered: ‎08-23-2010
0

Re: Thanks all! NFCU $10,000 CL!

Visa Signature cashRewards card.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Thanks all! NFCU $10,000 CL!

Nice, congrats!

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Thanks all! NFCU $10,000 CL!

what kinda credit limits do you have besides this? :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor
Posts: 70
Registered: ‎08-23-2010
0

Re: Thanks all! NFCU $10,000 CL!

I have a CapOne Venture Rewards (3500)

Sam's (600)

A small Capone (500). I think it used to be Orchard Bank maybe)

A brand new Best Buy (2500)

 

I also have an Arvest Corporate Card (5000) but it never reports on my credit report.

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Thanks all! NFCU $10,000 CL!

[ Edited ]

martinkk wrote:

I have a CapOne Venture Rewards (3500)

Sam's (600)

A small Capone (500). I think it used to be Orchard Bank maybe)

A brand new Best Buy (2500)

 

I also have an Arvest Corporate Card (5000) but it never reports on my credit report.


lol damn did you PC your Cap One? That's a big jump from your credit other credit cards.  Also I would drop Capital One Venture card since you got Navy =x Flagship Rewards is cheaper annual fee and samething with better customer service.  Flagship = 1 point per purchase but Flagship's points are worth 2x. Or better yet use the Flagship as a reason to stop doing business with Capital one and try to recon them into raising your credit limits on it to match or exceed Navy :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Thanks all! NFCU $10,000 CL!

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Posts: 70
Registered: ‎08-23-2010
0

Re: Thanks all! NFCU $10,000 CL!

that is kind of what I was trying to do. I,ve had the CapOne since 08 after BK in 12/06. Started secured by 1000 for 1500 CL. About two years ago,they offered the PC and returned my deposit. I've asked for a CLI twice since with no luck. I use it excessively and often pay more than once a month so I can keep using and that one card totally controlled my credit score.  I explained this to NFCU. For a long time, (until now, actually) I made the mistake of paying in full before statement date so always reported zero, but CapOne knew I used it a lot. 

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Thanks all! NFCU $10,000 CL!

[ Edited ]

Congrats!!! Agree with others that this will be a perfect opportunity to move your cap 1 business over to NFCU flagship card!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
Posts: 180
Registered: ‎05-06-2012
0

Re: Thanks all! NFCU $10,000 CL!

Congrats OP!

 

I also just started with NFCU and opened a checking, savings, ira, credit card, and overdraft line of credit. I applied for and was approved for a refinance on my auto loan but they offered an interest rate of 4.99% and I currently receive 1.49% from PenFed so I withdrew my app.


The NFCU credit card I applied for was the Platinum VISA and it was approved with a $14,000 credit limit and 12.99% interest rate. The other cards that I have are:

Chase Amazon VISA ($2K limit)

Barclaycard Ring ($2K limit)

Discover IT ($1,200 limit)

Delta CU Visa ($500 limit)

Macys Store Card ($350 limit)

Kay Jewelers ($6000 limit)

 

As for the overdraft line of credit I requested $1000 and received that amount.

 

So you can see I was HIGHLY surprised when they approved the credit card for that much. Although I would have rather had a reduced APR instead of the increased CL. The Platinum NFCU card can have an APR as low as 7.99%. Thank goodness I only carry balances from time to time.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 734 | TU 738 | EX 719
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.