Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 388
Registered: ‎10-26-2009
0 Kudos

NFCU Approval

I had not had a credit card for 10 years, other than a gov't travel card which does not report to my CR's, so last August I decided I should get one to help my score.  Not thinking I would be attractive to anyone I apped for Orchard and got a card with at $300 CL.


Well, I decided to pull my scores and saw where my TU was, so I checked to see who pulled TU exclusively.  I saw Wells Fargo, and since I bank with Wachovia which had just been bought out by WF I apped with them.  Instant approval with a $11,000 CL.


So, I pulled the trigger on AMEX Gold, got it, and went into gardening mode.


I hated that I ever got Orchard, and the measly $300 CL that would never grow much (plus an AF) really bothered me.  I made a plan to get another card around the time my AF would hit in August so I could dump them and have three prime cards.


I did some research, and Navy FCU became my card of choice.  I apped last week, and had a good deal of runaround (I thought).  No instant decision.  I called in a day or two later and they wanted check stubs and bank statements. I was told to call back in an hour for a decision, and when I did was told that no one would even be in to look at my file until that evening, so I should call back in 24 hours.  I called back the next day and was told it was still under review.  Yesterday it appeared on their website as "approved" so I called in to find out my CL.  The CSR told me that there were notes she couldn't understand on my file, but apparently the loan committee needed further information.  I told her the website said approved, which seemed to confuse her even more.


Fast forward to today and the account appears online with a $10,000 CL.  As soon as the card arrives and is activated I will kick Orchard to the curb.


Back to gardening mode. 

Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Valued Contributor
Posts: 1,179
Registered: ‎05-20-2010
0 Kudos

Re: NFCU Approval

Congrats! I'm actually surprised that NFCU gave you a lower credit limit than your Wells Fargo. Its only a 1K difference but still, I thought NFCU would have done better. Maybe your CRs showed more utilization now then it did when you apped for your WF card. Congrats anyways, good score on the NFCU card!

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Regular Contributor
Posts: 232
Registered: ‎02-07-2011
0 Kudos

Re: NFCU Approval

Congrats. Smiley Happy


I'm curious: did you have direct deposit through NFCU before you apped for the card?  I'm planning to apply this Summer or late this Fall and am wondering if they'll ask for paystubs even if they are receiving them directly from my employer each month.  I would guess not, but you never know.  Just wondering if they asked for your paystubs because you don't use them for direct deposit.


With FICO, time heals all wounds.

Take the FICO Fitness Challenge

Super Contributor
Posts: 6,211
Registered: ‎09-18-2007
0 Kudos

Re: NFCU Approval

Congrats. That is a very good starting limit.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.