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NFCU CC Chances

Moderator Emerita

Re: NFCU CC Chances

Message 21 of 54
Valued Contributor

Re: NFCU CC Chances

congrats on the card and welcome to NFCU.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 22 of 54
Valued Member

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.


Message 23 of 54
Regular Contributor

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.

Message 24 of 54
Established Contributor

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
Message 25 of 54
Community Leader
Senior Contributor

Re: NFCU CC Chances

Do you know what report they pulled?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 26 of 54
Established Contributor

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
Message 27 of 54
Valued Contributor

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 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)
Message 28 of 54
Established Contributor

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
Message 29 of 54
Contributor

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.
Message 30 of 54