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I took the plunge...NFCU

Valued Contributor

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!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 11 of 25
Established Member

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.
Message 12 of 25
Highlighted
Valued Contributor

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 Smiley Frustrated


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
Message 13 of 25
Valued Contributor

Re: I took the plunge...NFCU

So did you get the CLI?
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 14 of 25
Valued Contributor

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
Message 15 of 25
Valued Contributor

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
Message 16 of 25
Valued Contributor

Re: I took the plunge...NFCU


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. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 17 of 25
Valued Contributor

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
Message 18 of 25
Established Member

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.
Message 19 of 25
Valued Member

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!
Message 20 of 25