App Spree

[webhopper]

All of nfcus apps go through manual review; the fact that you have to wait means nothing. Mine was not automatically approved and they started me with a 22k limit

[Middleswarth]

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@webhopper wrote:
Nfcu gives nice credit limits and low interest. Ive heard a lot of stories about people getting increases on their credit limit automatically. Also you can change your card type by calling... no need to apply for one of their other cards; you can just change to it and not lose the history

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That's good to know.  I had to call them to get my online access straightened out.  The CSR was SUPER nice.  She took lots of extra time to explain their services and made it a point to welcome me.  I have to say NFCU and USAA are the 2 best customer services encounters I have ever had with financial institutions. 

[Middleswarth]

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@webhopper wrote:
All of nfcus apps go through manual review; the fact that you have to wait means nothing. Mine was not automatically approved and they started me with a 22k limit

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Holy cow!  I'm not expecting a $22k limit but $5k to match my secured USAA would be nice. 

[webhopper]

Ya it totally blew my mind. They did have all my financials because I just did a truck refi before getting the pre approved offer for the cash reawards card. I don't know if my financial paperwork played a role in getting that limit but I'm sure it didn't hurt

[Repo-ed]

At least you won't have to remember when each INQ will fall off.

[journey258]

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@Middleswarth wrote:

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@webhopper wrote:
All of nfcus apps go through manual review; the fact that you have to wait means nothing. Mine was not automatically approved and they started me with a 22k limit

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Holy cow!  I'm not expecting a $22k limit but $5k to match my secured USAA would be nice. 

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I applied late night and received the "approved" text the next afternoon. Customer service is great. I'm going to initiate a refi of my camry this week. Glad I held off from USAA refi, hoping NFCU gives me a better rate. 

[iMacDrew]

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@webhopper wrote:
Nfcu gives nice credit limits and low interest. Ive heard a lot of stories about people getting increases on their credit limit automatically. Also you can change your card type by calling... no need to apply for one of their other cards; you can just change to it and not lose the history

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Thats pretty sweet actually, I was gonna pay off that card and just let it sit but I may change it to something else.

[emptypockets]

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@Middleswarth wrote:

I decided to get a bunch of cards now since I'm 2+ years away from getting a mortgage.  I figured I throw out a bunch of apps and see what sticks.

I pulled my scores just before the spree.  I wanted to see them one last time before I blasted them into space. 

My TU was 691.  EQ was 630.  I have to assume EX was about the same as TU as it is has similar account info (and is close to TU on USAA's FAKO score)...

So without further adieu, here are the cards and results:

Card	Result
NFCU	Review
US Airways	Review
BJ's	Review
American Airlines	Approved
American Express Zync	Denied
Chase	Review
Chrysler	Not Instant
Bank of America	Review
Walmart	Review
Macy's	Approved
Discover	Approved
Citi	Review
Dell	Denied
Kohl's	Approved
PayPal	Approved
Amazon	Review
US Bank	Review

Once I get the results from the cards under review I will update the post.  I may recon a couple but I'm not going to go crazy with it.  I have pretty much all I need at this point.

I figure I'll wait until September or October to pull my scores again (to see the damage).  Then I'm off to the garden for 2 years.

BTW - I already have 2 Cap One cards for about 9 months ($500 limits) and I just got a USAA Secured MC ($5000).  I know that's enough for FICO, but my goal is more to build relationships, increase my CL,  and not have to app for cards again until after I have the keys to my new house.

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Wow....just WOW! 17 apps? You are way more brave than I am.

[CruzImperial]

Unbelievable congrats on the approved ones and I hope you get most of the reviewed cards

[jordanmedical]

WOW! You are braver than I as well. I echo NFCU CS praises.