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Got a call back about the MC. They said $25K is my CC limit and offered to split it between the Visa and a MC. I told them to just keep the Visa as it is. They also called to verify identity on the LOC before they made a decision, so still waiting
Finally! Approved for $15,000 LOC. Also, second chance auto refi. Old interest rate, 18.7, New interest rate, 5.9. I really do love NFCU!!!
I love NFCU too! I got approved today and they are not my highest CL!!! Got to love CUs!
@BungalowMo wrote:First off....congrats BIG TIME on that Visa limit!! Very impressive!!!
I'll be apping with them later this summer. I want my inq's to drop, & want to go for my mortgage refi first.
But looking at what you have posted, my EQ is nearly exact at 686, I have other cards with limits from $2600 to $10k, but my AAoA is about 3.5 years & my history is about 12.5 yrs. Last late pmt 5.6 yrs ago.
Something tells me I might get a nice offer from them.
One last question......Have you been a NFCU member for long?
Just as more encouragement, my EQ is 699 and I was approved for $5k with other cards from $400 - $2000. AAoA is only about 2 yrs (or less) and history less than 3 yrs. I bet they do offer you nice thing$.
I have been a member for a grand total of about three weeks. The only deposit I have with them is the $5 initial deposit into my share account. Good luck on your refi. Definitelye give app to NFCU. They are awesome! Let me know how it goes
Hey mebb82
Just applied for the Visa Cash Rewards and got the 3-5 day notice msg...
I've had their secured card now for a year and my scores are (myfico eq 588, tu 544,) so I'll let you know when I hear something. (oh yeah CH7 Charged off 2004) five collections (6years old), no inquires within the last year.
Fingers crossed!!!!!
HindSight_20_20 wrote:Hey mebb82
Just applied for the Visa Cash Rewards and got the 3-5 day notice msg...
I've had their secured card now for a year and my scores are (myfico eq 588, tu 544,) so I'll let you know when I hear something. (oh yeah CH7 Charged off 2004) five collections (6years old), no inquires within the last year.
Fingers crossed!!!!!
* APPROVED*!
Yes!!!
Just got the message today! AND my secured card comes up for review in June! NFCU is by far the best CU I've joined... Bye bye BOA!
USAA just sent my 'secured package' in the mail so that's another great bank to establish with - after that one I'm done for awhile until the last of my baddies drops off (2012).
I'm so ready to crack this 500' ceiling I can hardly stand it!
I tried to complete a membership app on their website (my father was in the army - VFW). It is asking me for his member access #. Does he have to join before I can join?
@Mommyto2boys wrote:I tried to complete a membership app on their website (my father was in the army - VFW). It is asking me for his member access #. Does he have to join before I can join?
Hey MT2Boys,
Yes your 'eligible' family member must already have a pre-existing account and once he/she does you'll have to use 'that' access number in order to apply unless you go inside a branch and take them with you.
Hope that helps.
Thanks hindsight. Darn, that won't work for me. I don't want to bother him with opening an account at this bank. I think it will require him to fund an account and he won't want to do that. Another dead end. Thanks again!