Reply
Contributor
Posts: 81
Registered: ‎07-16-2011
0

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
Community Leader
Valued Contributor
Posts: 2,407
Registered: ‎11-29-2012
0

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: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– 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)
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: NFCU Questions

Nope :smileyhappy:

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

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


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Contributor
Posts: 81
Registered: ‎07-16-2011
0

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
Posts: 81
Registered: ‎07-16-2011
0

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
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
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
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
Posts: 1,541
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 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator Emeritus
Posts: 7,225
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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.