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Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: NFCU CC Chances

Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
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Re: NFCU CC Chances

congrats on the card and welcome to NFCU.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Member
Posts: 39
Registered: ‎02-26-2012
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Re: NFCU CC Chances


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!


Did you app online or in a branch? I would have app'ed along time ago but couldn't do to me waiting to close on a house. closing tomorrow so this weekend I'm applying. 

NFCU Cash Rewards Sig $10k, NFCU Flagship $7.5K, NFCU LOC $7,500
Discover IT $600, Barclays MC Rewards $1,900,Barclay's Apple $1,500 Capital One $2,500, Capital One $1,500, US Bank 1-2-3 Rewards $2,500, US Bank FlexPerks AMEX $5,000, Walmart $1,200, USNMFCU $10,000, AMEX Everyday $500, AMEX BCE $8,000.


Regular Contributor
Posts: 157
Registered: ‎05-01-2008
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Re: NFCU CC Chances

Great job on the approval ! if you don't mind me asking what type of baddies do you have? Collections , CO ? Because I have two items in collections ( one will drop off do to PFD) still working on the other. An a couple of charge offs.

Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Re: NFCU CC Chances


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!


WOW!! Congrats to you. I must say, you make me want to apply but I have one collection on my file that falls off in march.Good on you.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
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Re: NFCU CC Chances

Do you know what report they pulled?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: NFCU CC Chances


searchingfor67 wrote:

My wife has scores similar to yours, and they approved her for a nRewards card with a $1K limit...


you sound like your complaining especially since those scores usually won't get approved for ANY kind of card....


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Community Leader
Valued Contributor
Posts: 2,406
Registered: ‎11-29-2012
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Re: NFCU CC Chances

Whoa, that's an awesome CL! Congrats!

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 Goal Score:
 625 for now– 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)
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: NFCU CC Chances


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!


lol I felt high for a few days after I saw YOU ARE APPROVED FOR $17,000 APR PRIME PLUS RATE OF 4.99%  my score was about 760 then but limited history and I only had 2 secured cards and a Kays jeweler card at the time lol

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
Posts: 78
Registered: ‎01-18-2013
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Re: NFCU CC Chances

Thanks Everyone! I'm still excited about this!

 

@PNYKILR - I applied online, good luck; let us know how it goes and congrats on the new house!

 

@Kartel34 - I have a few COs, a few CAs (one in dispute status), two defaulted SLs, and several Medical Bills which are with CAs too. All of which I am working on getting cleaned up.

 

@MountainHiker - As you can see above I have collections on my report and still got approved! Go for it!

 

@Scupra - I don't know at this time but as soon as I get the paperwork I'll let you all know.

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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