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Community Leader
Senior Contributor
Posts: 28,785
Registered: ‎02-07-2013

Re: NFCU Cash rewards Card

99lawdog99 wrote:

Thanks.  It's around $150,000.  I'll probably not go for it now. I'll wait.  The last card I got was from Cabellas a few months ago and they gave me 5000.00  at 9.9 simply because I wanted to by a Kayak.

Sounds like a good plan keep us posted 

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Community Leader
Valued Contributor
Posts: 1,409
Registered: ‎07-12-2011

Re: NFCU Cash rewards Card

I bet you get 10K plus with a high APR. I've seen approvals with 85% utility but as all know- YMMV. I've also seen CLIs with high utility at 80+% Everyone's advice is good here. If you apply- you might get denied- (very unlikely with a pre-approval) - will probably get a higher APR and my guess is a good starting limit (likely 10K or higher) because of your income and FICO. You obviously have a long good history with a FICO above 700 and such high utility. I typically don't recommend apping with such a high utility but being that it is NFCU, I say to for it if you wanna get in with them. Good luck with what ever you decide. Sage words from many here. :-)

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

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