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NFCU CC Chances

Community Leader
Senior Contributor

Re: NFCU CC Chances


starry1 wrote:

Well scupra, did you pull the trigger?


I did, I applied for the cashRewards card on friday and recieved a text message this morning, "Your credit card has been approved! Thanks for choosing Navy Federal, expect your card in 7-10 days."

 

Yesterday I got a credit karma alert that a new hard inquiry has been listed, so for some odd reason they pulled my TU, I am in AZ if this helps anyone. I didn't really want another HP on my TU report, but for an approval I am ok with it. Only downside is the limit, $500. I was hoping to get at least $1,000 but Im ok with the $500 because I know it will grow with me. I think they looked at my secured card through them ($500 limit) and figured I was doing good and gave me the same limit lol. Happy building everyone! 

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
Valued Contributor

Re: NFCU CC Chances

I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!!  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)
Community Leader
Senior Contributor

Re: NFCU CC Chances


starry1 wrote:

I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!!  Congrats!


I am only 4 months post BK7, I was expecting a denial and planning to recon and ask for a low starting limit at the least.. Them pulling TU and not EQ was very surprising to me though!

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
Valued Contributor

Re: NFCU CC Chances

That tells me you probably could have gotten it even before the secured card.  When I app after discharge, I will let you know if they ask me to secure it or  not.

 

I'm your neighbor in Colorado, but I hope they pull EQ, my TU has been dinged up quite a bit thanks to getting a car in November.


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

Re: NFCU CC Chances


starry1 wrote:

That tells me you probably could have gotten it even before the secured card.  When I app after discharge, I will let you know if they ask me to secure it or  not.

 

I'm your neighbor in Colorado, but I hope they pull EQ, my TU has been dinged up quite a bit thanks to getting a car in November.


I think you might be right. Well I can deal with using it and requesting CLI's, the approval alone is good enough for me! haha, good luck. Im curious to see who they pull for you!

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
Member

Re: NFCU CC Chances

I joined NFCU last week and applied for the cashRewards  and was approved for 1k,  I was happy but not really satisfied so I decided to apply for the nRewards the next day and got approved again for  1k, I"m like, is that all I can get per card? so crazy me, I decided to apply for the Platinum visa this last Saturday thinking, ok they'll  either declined me or give another 1k, more likely denied me, So this morning I checked my e-mail and said that I was approved for 5k. Now I am very satisfied.

 Thank you NFCU. I just wished I should have applied for the Platinum first.....lol.

 

I just wanted to say, thank you everyone for all the helpfull information is this forum.

Thank you!

 

myFICO : Equifax 663

New Member

Re: NFCU CC Chances


Scupra wrote:

starry1 wrote:

I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!!  Congrats!


I am only 4 months post BK7, I was expecting a denial and planning to recon and ask for a low starting limit at the least.. Them pulling TU and not EQ was very surprising to me though!


 

I am 5 months post bk, and they gave me a low limit too. Even though people with lower scores are getting a higher credit limit, I think with bk's, they are playing it safe. It probably will take a little longer for us to see a nice increase, imo.

 

 

Senior Contributor

Re: NFCU CC Chances

Congrats!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member

Re: NFCU CC Chances

do u have to be in the navy to be able to get an account with them?

Contributor

Re: NFCU CC Chances

No, you can be in any of the armed service branches or have a close relative that is in the military. My brother is currently in the Navy so I signed up through him, best thing I could have done to help my credit story!

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.