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meesh6036
Posts: 81
Registered: ‎07-16-2011
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NFCU Questions

[ Edited ]

Is NFCU sensitive to new TL's? My boyfriend, who is also rebuilding his credit, has had a Cap1 BB Rewardzone card and the annual fee is in May. We want to replace this card with one from NFCU. However,  I added him as an AU on a few new accounts of mine (2 stores, 1 CC) and he also financed a car a few months ago. 

 

We want to establish a relationship through them, as we plan to use them when we buy a house. His income is ~$70k (not counting any furloughs that may happen!!!). His FICO's are about the same as mine (+/- 10 with about the same average).


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
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Valued Contributor
starry1
Posts: 2,198
Registered: ‎11-29-2012
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Re: NFCU Questions

Not that I'm aware of.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 7/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $1.3k / nRewards $3.5k / cashRewards $5k / NavChek $2.5k / 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)
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dodgeball
Posts: 761
Registered: ‎10-16-2007
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Re: NFCU Questions

Nope :smileyhappy:

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Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Contributor
meesh6036
Posts: 81
Registered: ‎07-16-2011
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Re: NFCU Questions

Awesome!

 

I don't know if he could handle a rejection. LOL. We've been doing so good with approvals. 

 

I will probably wait until next month, he has to unfreeze his accounts anyways. Maybe put a deposit into our account with them to butter them up. 


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Contributor
meesh6036
Posts: 81
Registered: ‎07-16-2011
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Re: NFCU Questions

Well, funny enough I logged into the account and there was a banner that he has been pre-selected for cash rewards. Good sign!


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
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Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: NFCU Questions


meesh6036 wrote:

Well, funny enough I logged into the account and there was a banner that he has been pre-selected for cash rewards. Good sign!


I think it comes with a balance trasnfer offer if he needs it. Congrats!

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Contributor
meesh6036
Posts: 81
Registered: ‎07-16-2011
0

Re: NFCU Questions

[ Edited ]
Update: He was approved for the Cash Rewards for 15k and 11.4% ! I can't believe it!

Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Contributor
meesh6036
Posts: 81
Registered: ‎07-16-2011
0

Re: NFCU Questions

I think we are going to PIF the Cap 1. It's a 400 limit and we only had ~150 on it.

Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: NFCU Questions

That's a nice limit! Congrats!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: NFCU Questions

[ Edited ]

In my recent experience, they are not new account sensitive,  they aren't inquiry sensitive.

If he wants an NFCU account, there is not a good reason to wait in my opinion...

 

Congrats!!!

 

Also, consider getting the overdraft LOC,  its nice, counts as revolving... and it comes with its own checkbook in case the merchant doesn't take credit cards. 


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
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