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Member
Posts: 12
Registered: ‎12-18-2012
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WOW... Approved For Visa Signature Flagship Rewards with NFCU

It's been a great day today! I was approved today for an NFCU membership and I decided to apply for the Visa Signature Rewards Card and try to refinance my car. Luckily, I was approved for BOTH! I received a $17,500 CL on the Visa and I refinanced my car at 4.29%. I've been in the process of rebuilding my credit for the last year. The weird thing is that my scores aren't that great (661 Equifax FICO, 605 Exp FAKO, 600 TU FAKO). I know NFCU pulled my EQ Fico for the CC and Auto Loan, but I didn't except such a high credit limit or that good of a rate for my refi. I guess my income helped (78k). I even called backed after I left one of the DC branches to make sure the limit that I wasn't given was correct and the rep verified it for me... Another reason I'm so excited is because I app'd on Friday 12/14 for a CLI on my USAA Amex and applied for a Nordstrom store card and was denied for both Smiley Sad *USAA pulled EQ and Nordstrom pulled all 3 reports*. I'm feeling so lucky today, I almost want to try to app for a Walmart Card since I read that there not to hard to get approvals for... Well anyway, just wanted to say thanks to all the posters who post in these forums for all the tips! It's been really helpful these past couple of months in helping me improve my score.

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Established Contributor
Posts: 608
Registered: ‎10-11-2012
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Re: WOW... Approved For Visa Signature Flagship Rewards with NFCU

Congratulations to you and welcome to the NFCU family!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: WOW... Approved For Visa Signature Flagship Rewards with NFCU

Congratulations! It feels great to get those approvals after working so hard to rebuild.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: WOW... Approved For Visa Signature Flagship Rewards with NFCU

Awesome CL!!! Congrats!! NFCU is a GREAT CU! Welcome to the NFCU family!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Member
Posts: 12
Registered: ‎12-18-2012
0

Re: WOW... Approved For Visa Signature Flagship Rewards with NFCU

Thanks guys!!

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: WOW... Approved For Visa Signature Flagship Rewards with NFCU

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
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† 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.

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