cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU Questions

Contributor

NFCU Questions

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
17 REPLIES
Valued Contributor

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 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

Re: NFCU Questions

Nope Smiley Happy

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

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

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

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

Re: NFCU Questions

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

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

Re: NFCU Questions

That's a nice limit! Congrats!

Scores: about 700 across the board
Total CL: $275k
Moderator Emeritus

Re: NFCU Questions

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