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Regular Contributor
Posts: 181
Registered: ‎04-24-2015

Re: NFCU Amex Master thread. All posts go here

OK, thanks on the clarification.

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Registered: ‎01-24-2008
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Re: NFCU Amex Master thread. All posts go here

[ Edited ]
Yes seems like it's a tough UW
applied this morning and so far didn't hear anything back
form reading here besides maybe one approval all went to pending
Valued Contributor
Posts: 1,736
Registered: ‎06-13-2016

Re: NFCU Amex Master thread. All posts go here


Irish80 wrote:

Bella007 wrote:
Maybe it's once you start the app, because I don't see it now.

It's possible that they put a bonus signup by mistake in the mobile application and now have fixed it.


This is exactly what I'm thinking, Irish. I definitely read it, and it was 25000 points after spending $3000 in 3 months. I don't see any spend bonuses on any of their cards, actually. BTW, I sent them a message to check the status. I could get a denial. Smiley Sad Can you call for recon with Navy Fed? They definitely pulled my TU already, though. 

Current Scores------ EQ 679; TU 653; EX 681 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Established Contributor
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Re: NFCU Amex Master thread. All posts go here

U can go log in online on your desktop and go to application status and check it
But it is a slow motion pending card
Valued Contributor
Posts: 1,736
Registered: ‎06-13-2016

Re: NFCU Amex Master thread. All posts go here


kugel wrote:
U can go log in online on your desktop and go to application status and check it
But it is a slow motion pending card

I've been checking it every 10 minutes or so, lol! Smiley Happy

Current Scores------ EQ 679; TU 653; EX 681 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Established Contributor
Posts: 702
Registered: ‎01-24-2008

Re: NFCU Amex Master thread. All posts go here

[ Edited ]

Same here and apped  9am today it's annoying

Moderator
Posts: 8,620
Registered: ‎06-20-2015

Re: NFCU Amex Master thread. All posts go here


cestlavie wrote:
I want to clarify "could not!" meaning I would have to wait for at least 3 statements to cut begore applying. Hope that helps. That is why it's a limitation, sorry.

I fixed it for you.  Smiley Wink

Valued Member
Posts: 35
Registered: ‎07-02-2017

Re: NFCU Amex Master thread. All posts go here

Very strange day with NFCU and I.  I applied for a $3.5k CLI on my Rewards Visa Card with a current $5k limit today and was denied.  I called NFCU and asked the CSR if there would be another hard pull if I apped for their new Amex card and was told there would be.  I hung up disappointed but after a little bit of time I decided "what the hey?" and apped for the Amex card anyway and was instantly approved for it with a $5k SL.  I don't understand why they'll deny me a $3.5 CLI on one card just to approve me for a brand new card with a $5k CL...strange philosophy (alright, "algorithm" I guess) they've got going on over there.

 

Data points: I just joined NFCU in December, 2016, currently have mid-600 FICOS, a $5k Visa Rewards, a $10k CLOC and new a shiny new NFCU Amex on the way.  SHRUG.

Moderator
Posts: 15,049
Registered: ‎10-07-2014

Re: NFCU Amex Master thread. All posts go here


Bella007 wrote:

Irish80 wrote:

Bella007 wrote:
Maybe it's once you start the app, because I don't see it now.

It's possible that they put a bonus signup by mistake in the mobile application and now have fixed it.


This is exactly what I'm thinking, Irish. I definitely read it, and it was 25000 points after spending $3000 in 3 months. I don't see any spend bonuses on any of their cards, actually. BTW, I sent them a message to check the status. I could get a denial. Smiley Sad Can you call for recon with Navy Fed? They definitely pulled my TU already, though. 


Yes you can call to recon if you're denied or better yet, do it via the secured messages.  They're known for bieng open minded and will reverse a decision if your credit warrants an approval.

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Re: NFCU Amex Master thread. All posts go here


kugel wrote:
Yes seems like it's a tough UW
applied this morning and so far didn't hear anything back
form reading here besides maybe one approval all went to pending

I seriously doubt that the underwriting criteria is any different for this card vs their other offerings.  Delays are to be expected when a card is just made available and they're swamped with applications.

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