Reply
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: I took the plunge...NFCU


BaraQ wrote:

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. 


congrats!

 

$5k isn't a minimum CL? Don't be upset if they HP you again for the recon. They are very pull happy!

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Member
pbl1999
Posts: 14
Registered: ‎06-03-2012
0

Re: I took the plunge...NFCU

Wow. I guess it's true, nfcu love to hp. Although the Rep assured me they wouldn't do a hp, THEY did! 4 hp in 3 days.

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: 1,507
Registered: ‎07-24-2011
0

Re: I took the plunge...NFCU


BaraQ wrote:

Wow. I guess it's true, nfcu love to hp. Although the Rep assured me they wouldn't do a hp, THEY did! 4 hp in 3 days.


Yea they did me the same last week except I only got 3 hp's plus a soft.  Until you actually go through it, the description "HP Happy" just doesn't have the same meaning :smileyfrustrated:


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: I took the plunge...NFCU

So did you get the CLI?
| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: I took the plunge...NFCU


j_casteel wrote:
So did you get the CLI?

Yes, they originally offered me a $2K Signature.  I countered for $7500 and they came back with $5K.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: I took the plunge...NFCU


j_casteel wrote:

BaraQ wrote:

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. 


congrats!

 

$5k isn't a minimum CL? Don't be upset if they HP you again for the recon. They are very pull happy!


No, $5K isn't a minimum CL with NFCU.  Some have been approved for $500.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: I took the plunge...NFCU

[ Edited ]

Rhaeny wrote:

j_casteel wrote:
So did you get the CLI?

Yes, they originally offered me a $2K Signature.  I countered for $7500 and they came back with $5K.


I was referring to the OP if s/he got the CLI s/he wanted with the recon and HP. 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: I took the plunge...NFCU


j_casteel wrote:

Rhaeny wrote:

j_casteel wrote:
So did you get the CLI?

Yes, they originally offered me a $2K Signature.  I countered for $7500 and they came back with $5K.


I was referring to the OP if s/he got the CLI s/he wanted with the recon and HP. 


Oops! Sorry!

 

There's always one person huh?  LOL!!!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Member
pbl1999
Posts: 14
Registered: ‎06-03-2012
0

Re: I took the plunge...NFCU

Not sure about the CLI, hoping to find out 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.
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: I took the plunge...NFCU

Congratulations; I'm taking the plunge, in waiting, attempting to graduate many cards into a few nice large CLI's.  We shall see; still a BK on Transunion and Experian until June/Junly 2013 (off of Equifax though -- won't complain)... hear they're a good bank.

 

Josh

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}