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Regular Contributor
sybo40
Posts: 105
Registered: ‎11-12-2010
0

NFCU HAS PUT ME ON THE FLOOR@

Okay, I joined NFCU last Saturday and apped for the Ncash rewards card AS SOON AS I got home (PRIOR TO MY SAYING I WAS GARDENING THE OTHER DAY...'cause I already know that SOMEBODY is going to try it--SMILE!!).  Got the 3-5 day notification.  Let it sit, but kept checking on Sunday (since most that were approved woke up to a surprise approval the next morning).  "Review" notification still there.  Checked again on Monday, same thing.  Decided to call them up and ask for a status Monday morning.  Rep put me on hold and checked with credit card division. She then came back and said it was still under review, BUT that since I submitted on Saturday, I should expect to hear something 3-5 days from that as they'd been extremely busy.  Checked again on Tuesday, same notice.  Decided to wait until Wednesday morning to call and check status--no change.  About 10 mins. later, received a voicemail from NFCU needing me to return the call to a particular person in the credit app division.  Called back about 15 mins. later and that person was unavailable.  Rep put me on hold and said she would check another system to see if anything else was required because they are usually quick about rendering decisions.  She came back and said "looks like we need two recent paystubs in order to complete processing."  I HURRIED and sent them through messaging.  Checked again (then called to confirm) their receipt of my paystubs an hour later.  Receipt confrmed, but no decision given.  Next morning when I woke, had a text message on my phone that I had been approved for $3.5K!!!!  STILL LOOKING to make sure there was no snatchback.  Called to confirm again and rep said "congrats on your approval."  I DID NOT GET GREEDY AND ASK FOR ANOTHER DIME!!!  I KNOW where my scores are (TU-640; EX-592; EQ-595) AND had a BK that was discharged in 2004.  Have four low limit cards (none above $500) ,which I've had about a year and a half on average from First Premier, Cap One, and Applied Bank, 6 collections, and 6 COs (4on EQ; 2 on EX).  I've paid on the cards FAITHFULLY since I've had them.  Util.:  80%.  Also have a car loan since '08 that I missed three payments on due to job loss in '08 (1 30 day, 2 60 day).  I AM SO FRIGGIN' HAPPY!!  THANK YOU to the supporting, informative, and encouraging members in this forum for EDUCATING me and for never making me feel like my credit!!!  I am not applying for another thing for the next year or so...don't even need it!


Starting Score: 490
Current Score: TU: 656; EQ: 607; EX: 642
Goal Score: 700


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Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: NFCU HAS PUT ME ON THE FLOOR@

CONGRATS!!  NFCU is generous.  Probably recommend another NFCU card in 6 months or so.

               LIMITS IN CARD DESCRIPTIONS
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congrats!

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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New Contributor
mfoxxx
Posts: 53
Registered: ‎01-01-2012
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congrats. 

In the garden, May 27, 2014





Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NFCU HAS PUT ME ON THE FLOOR@

congrats

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Member
LOC
Posts: 39
Registered: ‎06-27-2012
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congrats!!




Starting Score: 565
Current Score: 660
Goal Score: 780

Senior Contributor
score_building
Posts: 3,551
Registered: ‎01-10-2008
0

Re: NFCU HAS PUT ME ON THE FLOOR@

SUPER CONGRATS!!! recommend not to dilute the benefit (maximum exposure) of a high limit NFCU cc by app another one (unless you having a specific reason for doing so) just continue to increase the limit on the one cc you have over time, soon other lenders will follow.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congratulations! So happy for you!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congrats!!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: NFCU HAS PUT ME ON THE FLOOR@

Congrats! Welcome to the NFCU gang!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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