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Community Leader
Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
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Re: NFCU CC Chances

Good luck and keep us posted!


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Community Leader
Senior Contributor
Posts: 3,066
Registered: ‎07-12-2012
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Re: NFCU CC Chances

Please do keep us updated! Darn this thread for making me want to call in and app for an unsecured card :/
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
725 EQ FICO 08/2015
730 TU FICO 08/2015
729 EX FICO 08/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Community Leader
Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
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Re: NFCU CC Chances


Scupra wrote:
Please do keep us updated! Darn this thread for making me want to call in and app for an unsecured card :/

 

 

How long have you had your Navy?  If its been three months, I'd probably pull that trigger and try to get an unsecured card.  Well, maybe four months.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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Community Leader
Senior Contributor
Posts: 3,066
Registered: ‎07-12-2012
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Re: NFCU CC Chances


starry1 wrote:

Scupra wrote:
Please do keep us updated! Darn this thread for making me want to call in and app for an unsecured card :/

 

 

How long have you had your Navy?  If its been three months, I'd probably pull that trigger and try to get an unsecured card.  Well, maybe four months.


I have had it since October 2012. When I opened it I figured I had no chance for an unsecured card so I solely apped for the secured. The point was to hope that they unsecure at the 12th statement like I had seen being done. Dangit, dangit, dangit!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
725 EQ FICO 08/2015
730 TU FICO 08/2015
729 EX FICO 08/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Contributor
Posts: 78
Registered: ‎01-18-2013
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Re: NFCU CC Chances

Sorry I haven't gotten back to you all. I applied for a checking/savings account with NFCU on 1/31 and was told online that they would contact me, well they never did so today I called them. They are such a breeze to deal with and so far very helpful, luckily my account was approved but my initial deposit didn't go through. This $5 deposit is required so as of now my savings looks like I am $5 in the hole, I have scheduled a transfer from my Chase account to the NFCU account and am now waiting on that to deposit before I apply for the CC. I figured it wouldn't look to good if I was asking for credit if the account was at a negative balance. So I'll keep an eye on the NFCU balance and then apply once I'm in the clear, does anyone think that it would be wise to deposit a larger sum of money in the account before I apply? I just don't know if that would help them make the decision. Thoughts?

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Community Leader
Senior Contributor
Posts: 3,066
Registered: ‎07-12-2012
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Re: NFCU CC Chances


PresidentPatton wrote:

Sorry I haven't gotten back to you all. I applied for a checking/savings account with NFCU on 1/31 and was told online that they would contact me, well they never did so today I called them. They are such a breeze to deal with and so far very helpful, luckily my account was approved but my initial deposit didn't go through. This $5 deposit is required so as of now my savings looks like I am $5 in the hole, I have scheduled a transfer from my Chase account to the NFCU account and am now waiting on that to deposit before I apply for the CC. I figured it wouldn't look to good if I was asking for credit if the account was at a negative balance. So I'll keep an eye on the NFCU balance and then apply once I'm in the clear, does anyone think that it would be wise to deposit a larger sum of money in the account before I apply? I just don't know if that would help them make the decision. Thoughts?


I am sure it wouldnt hurt to have more funds with them before investing, but I am also pretty sure it wouldnt matter either. Plenty of people open with $5 or $25 and come out with a $10k - $25k limit. So give it a shot and let us know! Good luck

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
725 EQ FICO 08/2015
730 TU FICO 08/2015
729 EX FICO 08/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Contributor
Posts: 98
Registered: ‎01-14-2013
0

Re: NFCU CC Chances

You don't have to wait--my sister applied yesterday for a savings account and visa platnium at the sametime over the phone--she got approved for 15k--she is waiting on enrollment package in the mail so she can deposit her 5 dollars.  I joined last july and got approved for navy visa platnium for 7k with a 629 equifax score and 4 co's which i didn't pay(4years old)!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Contributor
Posts: 78
Registered: ‎01-18-2013
0

Re: NFCU CC Chances

So I went ahead and tried it since ya'll were confident I didn't need to wait...OMG!!! I'm about to have a heart attack!!! Instantly approved for $6k! OMG, before I messed everything up I couldn't even get a card with history up past $2500. I am in complete shock and am hoping this will help my credit score! My only CC I have now is a Cap1 Secured for $200 but wow! Look at me now!

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Community Leader
Senior Contributor
Posts: 3,066
Registered: ‎07-12-2012
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Re: NFCU CC Chances

[ Edited ]

PresidentPatton wrote:

So I went ahead and tried it since ya'll were confident I didn't need to wait...OMG!!! I'm about to have a heart attack!!! Instantly approved for $6k! OMG, before I messed everything up I couldn't even get a card with history up past $2500. I am in complete shock and am hoping this will help my credit score! My only CC I have now is a Cap1 Secured for $200 but wow! Look at me now!


Awesome news!!! Congratulations. Which card did you apply for jw?

 

edit: Are the scores in your signature from Myfico.com? Thanks!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
725 EQ FICO 08/2015
730 TU FICO 08/2015
729 EX FICO 08/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Contributor
Posts: 78
Registered: ‎01-18-2013
0

Re: NFCU CC Chances

Thanks! I got the nRewards Card and the scores were pulled by the local housing authority so I assume they would be considered like a "Lender Pull".

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
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