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Established Member
pbl1999
Posts: 14
Registered: ‎06-03-2012

I took the plunge...NFCU

So I've been reading all the wonderful stories about NFCU and decided to join on yesterday. Well I received a call today from a CSR regarding the online site. After he finished telling me about the great benefits of NFCU he says, Mr. ... You are eligible for our Flagship card, little did he know I was planning on applying on Jan 2nd (paid off cc's to get utl down, waiting for update CR). After providing my info, he said it would be 3-5 business days before a decision. Wow. He said, they are behind with reviewing applications.  I'm a little nervous right now. 

Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: I took the plunge...NFCU

[ Edited ]

Did he give you an access number for your account?  If so you can always check here to find out the status:  NFCU CC/Loan status

 

EDIT: Also wanted to add that I joined and app'd last Friday and I didn't get the email notice until Xmas day.  So yea I would say that the Xmas rush is definitely on and I'm sure between the rush and vacations they are a little behind.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Community Leader
Valued Contributor
HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009

Re: I took the plunge...NFCU

I have had NFCU online site give me the 3-5 day message and was able to view an approved status within 24 hours. It may be because of the holidays they are really behind but it is not their norm.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


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New Contributor
orl22
Posts: 57
Registered: ‎03-20-2012

Re: I took the plunge...NFCU

I just receive my card today. Nreward at $14k CL. Lucky for me it was an instant approval. I didn't have to go thru he torture of waiting. 

Frequent Contributor
wallyworld123
Posts: 452
Registered: ‎01-04-2012

Re: I took the plunge...NFCU

Hello and welcome yes im sure u will be fine congrats on being part of the nfcu family.keep us updated!

Valued Contributor
j_casteel
Posts: 1,260
Registered: ‎06-21-2012

Re: I took the plunge...NFCU

i also got the 3-5 day wait for my siggy card. I was approved the next day.

| AMEX Zync | Walmart $5k | Amazon $5k | NFCU $12k | NavChek $15k | NFCU $7.5k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:658 EX:698 TU:691
Goal Score: 700
New Member
Miked0938
Posts: 4
Registered: ‎12-27-2012

Re: I took the plunge...NFCU

What's the best NFCU card to get?  I've got a 678 Fico...  Looking to get a good card with a decent limit

In My Wallet... , Amex Premier Rewards Gold Card $NPSL, Discover Card $6000, Capital One $800, Capital One Visa $750, Orchard Bank MC $500, Lowe's Card $500, Macy's Card $300, Chevron $500


Starting Score: 538
Current Score: 678
Goal Score: 750

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Valued Contributor
j_casteel
Posts: 1,260
Registered: ‎06-21-2012

Re: I took the plunge...NFCU


Miked0938 wrote:

What's the best NFCU card to get?  I've got a 678 Fico...  Looking to get a good card with a decent limit


I don't think any are bad....just need to check out the differences and see which one fits your spending and personal preferences.

 

| AMEX Zync | Walmart $5k | Amazon $5k | NFCU $12k | NavChek $15k | NFCU $7.5k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:658 EX:698 TU:691
Goal Score: 700
Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007

Re: I took the plunge...NFCU

Just call and tell them you would like to have your application reviewed now, they will comply with your request.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









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Established Member
pbl1999
Posts: 14
Registered: ‎06-03-2012

Re: I took the plunge...NFCU

Update: I was approved with a 5k CL. Decided to call to see why I received the minimum CL and request an additional 5k, I should have an answer by next week. 

Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.

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