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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: NFCU Very Impressive

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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: NFCU Very Impressive


sybo40 wrote:

As soon as a finish paying off the sub-prime cards (that also helped me during my times of financial/credit distress), I'm closing them (have had them all for 2 years now) and just going with NFCU. 


They are offering a BT with 0% for 12 months right now through some time in February I believe.  I just did the BT and it was quick and painless.  If you did that you could get rid of the sub-prime and pay 0% interest while building up a better payment history with NFCU.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Re: NFCU Very Impressive

February would be a great time to go after a credit card with Navy Federal.I really don't need the balance transfer option.The current limit on my chase freedom is so low that the need to transfer isn't an issue. And my other card is a secured Wells Fargo which in theory is suppose to graduate in april but time will tell.Wells Fargo is such a conservative lender that I have to see the graduation before I believe it.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Re: NFCU Very Impressive

I have never seen a lending institution that had as many loan options as NFCU.They actually help borrowers buy used cars while providing extremely low rates.What bank would ever be that agreeable. Navy Federal is the type of company you want to keep as your go to lender for life. I was informed tonight that despite my pre-select offer not currently showing up on my profile, that the offer is still available to me. Great company!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Frequent Contributor
Posts: 345
Registered: ‎01-16-2013
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Re: NFCU Very Impressive

I'll just add another +1 for NFCU. I switched to NFCU for banking back in May 2012, and then applied for their cashRewards card with about a mid-600's FAKO score back in September 2012, hoping to double my existing CL from $1500 to $3000 or something similar. I got an instant approval with a credit limit of $25,000.


Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 789, myFICO EX: 787
My Wallet: Chase Freedom, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 06/08/15
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: NFCU Very Impressive

If your income supports it then its very easy to get high cls with NFCU.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Senior Contributor
Posts: 3,462
Registered: ‎11-30-2007
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Re: NFCU Very Impressive

They just approved our used car loan at 3.59%, EQ 617 (two collections reporting as OC, +120 days late). 

Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Re: NFCU Very Impressive


fishbjc wrote:

They just approved our used car loan at 3.59%, EQ 617 (two collections reporting as OC, +120 days late). 


That is amazing. NFCU is one of a kind!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
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