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Valued Contributor
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Registered: ‎08-30-2012
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My fellow NFCU CC holders

When do I hit the "love" button.

 

History

 

I've had my secured nRewards card for 3 cycles now. Last week, I app'd for the cash rewards card and got a 3k CL.

 

Thanks in advance


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Regular Contributor
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Registered: ‎01-17-2008
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Re: My fellow NFCU CC holders


madmann26 wrote:

When do I hit the "love" button.

 

History

 

I've had my secured nRewards card for 3 cycles now. Last week, I app'd for the cash rewards card and got a 3k CL.

 

Thanks in advance


For me and my experience with my boys at Navyfed I hit the love button once i know that Navyfed softed me so far it always comes instant

15K Navcheck 15K siggy Flagship Visa 15K cash rewards Visa 20K nrewrads Visa 15k personal loan

Established Member
Posts: 25
Registered: ‎12-03-2012
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Re: My fellow NFCU CC holders

Mr_postman looks like you've racked up quite a siggy there! :smileytongue: Hopefully they will do me some justice after I app in June with them for a cli...:smileysad:


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
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Registered: ‎06-25-2012
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Re: My fellow NFCU CC holders

@Mr_postman
Damn! Where they approved all at once? Did they ask you for 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)
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Registered: ‎06-12-2012
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Re: My fellow NFCU CC holders

Can I ask how you went from a $500 secured NFCU card to a $3000 card so fast (3 months)? Did you apply out of no where and hope to get lucky or did you recieve some sort of offer?

 

I'm opened secured $500 nRewards card this week...I would love some tips!

Valued Contributor
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Registered: ‎10-28-2011
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Re: My fellow NFCU CC holders


sarcean wrote:

Can I ask how you went from a $500 secured NFCU card to a $3000 card so fast (3 months)? Did you apply out of no where and hope to get lucky or did you recieve some sort of offer?

 

I'm opened secured $500 nRewards card this week...I would love some tips!


If you have DD with them its a plus.  High income, and if you dont have any recent derogs.  Another forum buddy of mine went from a 500cl secured nrewards to a 3k cash rewards and a 2500cl LOC in 2 months so its possible.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: My fellow NFCU CC holders


sarcean wrote:

Can I ask how you went from a $500 secured NFCU card to a $3000 card so fast (3 months)? Did you apply out of no where and hope to get lucky or did you recieve some sort of offer?

 

I'm opened secured $500 nRewards card this week...I would love some tips!


Well,

 

There are a few things that have happened since I have opened the secured card.

 

1. I have continued to clean up my credit report.

 

2. My FICO score has risen almost 100 points.

 

From the time I applied for my secured card to the time that I applied for the cash rewards, the score difference is 84 points.

 

3. I have used my secured card alot and have paid it off consistently every 2 weeks.

 

4. So I applied.

 

After I applied, I sent them a message online stating how I have been cleaning up my credit and how I have increased my score almost 100 points.

 

NFCU differs than most lenders because they do manual reviews and make their decisions. They appear to be much more forgiving in the area of challenged credit.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
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Re: My fellow NFCU CC holders


madmann26 wrote:

When do I hit the "love" button.

 

History

 

I've had my secured nRewards card for 3 cycles now. Last week, I app'd for the cash rewards card and got a 3k CL.

 

Thanks in advance


They told me to wait at least 6 mos, which I did. But others here have gotten CLIs in less time. It may be 1 or 2 HPs, though. They sometimes do both EQ and TU. Not always, but it is a possibility.

 

I've had my CC 1 yr last month and was hoping for an auto-CLI. No such luck. The rep I spoke with today said that usually for a CLI they will do a HP. She said (don't know if this is true -- this is just what she said) that a SP does NOT give them as much info as a HP. AFAIK, that is NOT true and CSRs (even at NFCU) are known for giving inaccurate info. However, she said that they soft you throughout the year, so if you're eligible for a CLI based on your SPs, they would give it to you. And usually you have to app for a CLI for the HP.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: My fellow NFCU CC holders

My husband went from 2.5k to 4k via manual review before the card arrived. Then from 4k to 7.5k then to 9k... all SPs Card was opened in may 2012. He has direct deposit into NFCU of VA disability payment every month. His regular pay is direct deposit to a local bank.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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