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Regular Contributor
Posts: 188
Registered: ‎06-17-2011
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NFCU Members' STARTING CLs

I'll be joining NFCU soon (really excited!) and was curious:

1. What CC did you pick?
2. What was starting CL?
3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

Trying to determine which I should get. Thanks!!
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: NFCU Members' STARTING CLs


Whereis750 wrote:
I'll be joining NFCU soon (really excited!) and was curious:

1. What CC did you pick?
2. What was starting CL?
3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

Trying to determine which I should get. Thanks!!

1. cashRewards Visa

2. 22, 000

3. TU 


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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Established Contributor
Posts: 625
Registered: ‎01-04-2009
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Re: NFCU Members' STARTING CLs

1) CashRewards

2) $5000

3) EQ.  Low 600s.  2 chargeoffs about 5 years old

Frequent Contributor
Posts: 291
Registered: ‎03-17-2011
0

Re: NFCU Members' STARTING CLs

1. What CC did you pick? 

 

Platinum. I don't use rewards much and I often carry a balance, so I wanted a lower APR. Might get Rewards once DW gets her own.


2. What was starting CL?

 

18k

 

3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

 

The CC was EQ, but the membership app to NFCU was TU. Score at the time for EQ I believe was around 650. I need to update my sig again when I pull everything this month. I have one CO across all 3 CRA's and 4 late pays (2-30's and 2-60's from early 2010, so older than 2 years). 

 

Happy apping. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


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New Member
Posts: 6
Registered: ‎05-04-2012
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Re: NFCU Members' STARTING CLs

1. cashRewards Visa

2. 17,500

3. TU

~660

New Member
Posts: 1
Registered: ‎05-06-2012
0

Re: NFCU Members' STARTING CLs

I applied on Saturday, I will let you guys know what I get.

 

They pulled EQ 690ish

 

Recent paid CO, last yr.

Foreclosure 2009

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: NFCU Members' STARTING CLs

Me:

Cashrewards

$25,000

Pulled EQ at 720 FICO (+/- a few)

 

DW:

Cashrewards

$5000

Pulled EQ FICO around 680

 

Established Contributor
Posts: 665
Registered: ‎08-02-2011
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Re: NFCU Members' STARTING CLs

CashRewards
$10,000
Pulled TU 772
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Established Contributor
Posts: 625
Registered: ‎01-04-2009
0

Re: NFCU Members' STARTING CLs

Oh, just to add something quick....NFCU does allow you to product change without hard pull.   I've seen a few people post that they've converted cashRewards to the Signature Flagship card.

Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: NFCU Members' STARTING CLs

I just opened a NFCU account as well.... for the sole purpose of applying for the nRewards card.  I want nRewards.  It has a low APR.  This doesn't matter that much if you don't carry a balance, but I like rewards cards (can pick either merchandise or cash as rewards).  I have previously switched my USAA cash rewards to USAA rewards because I like collecting points.  I am not going to spend the $10000 requred to get the extra benefit of cash Rewards.  Lastly, the card looks cool.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

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