Credit Cards

[angieb7]

Okay! So I have been working on cleaning up my credit over a year now and trying to increase my credit score with hopes of buying a house in the near future. I have been a member of NFCU since 2007 and my credit was way horrible. In a year, my scores increased to EQ640 TU597 and don't know EXP. In 2010 I opened a 500.00 secured credit card with NFCU and closed it a year later in good standing. I didn't think could get approved for an unsecured card through NFCU. After reading the success on this forum I said "WTH" I'll give it a try. Well I applied Friday night 8/31 and NFCU called me on Sunday to verify my identity since I have a fraud alert on my credit files. Once they cleared everything they said I would have a decision in 24 hours. Well they were true to their word. I was approved for a 5000.00 credit limit (visa cash rewards). I am so excited never, ever had a limit that big (almost scared me)LOL! They only pulled EQ. I have one question, I have read on this forum that you can apply for a MasterCard and LOC at the same time with NFCU. Should I wait or do it right away?

[calihlove75]

If those are your current fico scores I would not push it because those scores are very low and I would be scared they would pull TU.Congrats on the approval. I would go 6 months to a year of on time payments.

[angieb7]

@calihlove Yeah I was thinking the same thing! I will just wait. Thanks for the advice

[pizzadude]

Congrats on the approval !   NFCU is very pull happy, so I'd expect another hard pull if you app for another product.

[bichonmom]

Navy pulls separately for each app and/or CLI request. From what ive read here, i would expect them to pull tu next. Also, the amount they approve you for with LOC is based on your credit. So, you would probably get very low CL if they approved you. I would wait 6-12 mos and see how your scores are then. You could CLI and app for LOC or MC then.

[CS800]

Congrats !

I applied for the card,LOC and car loan and got 5 pulls from them. They even didnt have a clue why they pulled 5 times. But they agreed ot remove 2 of them.

[angieb7]

Thanks for the information!

[angieb7]

I have an update! I was approved for a $2500 LOC/overdraft protection (which is what I requested) from NFCU. They are the BEST! I am going to wait 6 months before I apply for the MasterCard. Don't want to push the envelope. I eventually want to get a car loan in about 12 months, so I want to build good in-house credit with them and continue to rebuild my credit and increase my credit score.

[bichonmom]

Congrats!

[webhopper]

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angieb7 wrote:
I have an update! I was approved for a $2500 LOC/overdraft protection (which is what I requested) from NFCU. They are the BEST! I am going to wait 6 months before I apply for the MasterCard. Don't want to push the envelope. I eventually want to get a car loan in about 12 months, so I want to build good in-house credit with them and continue to rebuild my credit and increase my credit score.

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Congrats!