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Its time to play - What will NFCU do?

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distantarray
Established Contributor

Re: Its time to play - What will NFCU do?

partial account does't let you get credit cards under USAA unless there's something I'm missing.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 31 of 63
webhopper
Moderator Emeritus

Re: Its time to play - What will NFCU do?

My highest limit was 5k and I was approved for 22k with nfcu
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 32 of 63
kimmiller112
Frequent Contributor

Re: Its time to play - What will NFCU do?

$4,500

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 33 of 63
jsickz32
Valued Contributor

Re: Its time to play - What will NFCU do?

I recently used some cl from my cashRewards to open the flagship visa siggy. I was told that card is harder to get then their other cards. She asked if i was sure i only wanted to put 5k to open it because if i wanted a cli later on i was gonna have to get my score higher and wait for my inqs to age and given them income proof.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 34 of 63
Duncanrr
Valued Contributor

Re: Its time to play - What will NFCU do?

Well they will have proof of income on the 15th when my first direct deposit goes into checking account (well its most of my income.  Direct deposit is less what goes to savings, retirement, FSA, etc.   I may just send my last paycheck to them anyways.  When I app I will check again but I was told that I could go for higher card and then if not approved will be able to get another one (ive already got the pre-authorized link for cashRewards in my offers section).

 

My guess is that my updated reports will show up by Monday (EX should be updated tomorrow).

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 35 of 63
bbb3601
Frequent Contributor

Re: Its time to play - What will NFCU do?

I would apply online. scan in a recent paystub your documentation and explanation on cap1 and how you want to move all your banking to them. With that I guess 10-12k. I started with 5 and got a 3k bump in 2 weeks........you will do fine. If you get the flag you could also take the cash as well!!??

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Message 36 of 63
Juan123
Established Contributor

Re: Its time to play - What will NFCU do?


@distantarray wrote:

partial account does't let you get credit cards under USAA unless there's something I'm missing.


their are 3 cards you can apply for as a partial member of usaa


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Message 37 of 63
Duncanrr
Valued Contributor

Re: Its time to play - What will NFCU do?

I plan on apping for only 1 card. Ill do Navcheck after refi in June.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 38 of 63
Duncanrr
Valued Contributor

Re: Its time to play - What will NFCU do?

Drinking some beers watching the non-existent LSU offense and pulled my EX daily. Balance was updated and now zero. I'll pull USAA in morning and hopefully EQ and TU have also updated.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 39 of 63
swpopham
Established Contributor

Re: Its time to play - What will NFCU do?

Flag you for a security review after your dd and hold your money for 30-45 days.
;-)
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 40 of 63
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