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Moderator
09Lexie
Posts: 26,619
Registered: ‎09-13-2012
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Re: NFCU CC Chances

Valued Contributor
j_casteel
Posts: 1,918
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 $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Member
PNYKILR
Posts: 28
Registered: ‎02-26-2012
0

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 $1k, Barclays MC Rewards $1,500, Capital One $1,500, Orchard Bank $500


Regular Contributor
Kartel34
Posts: 157
Registered: ‎05-01-2008
0

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
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

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
Scupra
Posts: 1,696
Registered: ‎07-12-2012
0

Re: NFCU CC Chances

Do you know what report they pulled?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
687 EQ FICO 12/2014
680 TU FICO 12/2014
673 EX FICO 12/2014
$14k NFCU Platinum - $25k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival WEMC - $5k Cap1 Quicksilver - $2.2k Amazon Store - $10k Cap1 VentureOne
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
starry1
Posts: 2,325
Registered: ‎11-29-2012
0

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: 12/22/14 TU 659; EQ 649; EX 657
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
New Contributor
PresidentPatton
Posts: 67
Registered: ‎01-18-2013
0

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
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: For now just get approved for FHA 7/13

Cards: Cap1 Secured - $200; NFCU $6k

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