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Regular Contributor
sbeasl11
Posts: 119
Registered: ‎07-23-2012

NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 03:28 PM

I said I was going to wait till next month, but I got nervous & decided to go ahead & call them. It was an awesome experience just like everyone says. It took about 10 minutes. I was a little unsure which card I should apply for, so I went for the cash rewards. I have several baddies (paid charge offs) & a paid judgment showing. I have only been rebuilding for about 6 months now. My current FICO here is 647.

 

They approved me for $8,500. It was hard to stay calm when she told me. I have heard that they are generous, so I was expecting maybe 1K or 3K. I have two GEMB store cards & one secured BofA @ $500. It is a great feeling to have a little security blanket in your pocket. Thank you to everyone for sharing your stories here.

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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 03:31 PM

Congrats on the approval!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 05:20 PM - edited ‎02-23-2013 05:20 PM

I saw approved $17,000 when my highest limit was $1,000 secured, then I got this and I was on edge for a few days lol, then next time I got $15,000 navchek and I'm like meh lmao enjoy the high =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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Mega Contributor
LS2982
Posts: 14,475
Registered: ‎04-09-2011

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 05:29 PM

CONGRATS!!!!


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
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Established Contributor
Pilotdude
Posts: 835
Registered: ‎02-02-2013

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 05:57 PM

Thats awesome!!  Congratulations!!  :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $5000, CSP $5000, AMEX BCP $2000 Freedom $3500, Disc IT $2000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
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Established Member
brittany15213
Posts: 27
Registered: ‎02-21-2013

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 06:12 PM

CONGRATS! I am excited to apply for one hopefully on Monday that will be my last credit card app then I am headed to the garden! 


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
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Regular Contributor
sbeasl11
Posts: 119
Registered: ‎07-23-2012

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 07:31 PM

Thanks everyone! I never even knew about NFCU until I joined myfico. I am so motivated to continue this journey. We hope to be in a great position next year to purchase a home. Hopefully later this summer maybe we can get an auto loan with NFCU also. I can't wait until they start reporting. I hope this will help me get a larger limit when my BOA card unsecures in a few months.

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Established Contributor
MountainHiker
Posts: 643
Registered: ‎08-07-2012

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-23-2013 07:32 PM

Congrats! Very sweet limit.

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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Regular Contributor
_jb_
Posts: 142
Registered: ‎01-16-2013

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-24-2013 12:51 AM

Cheers. I can honestly say that joining NFCU was the best thing to ever happen to me financially.


Starting Score: myFICO TU: 676, myFICO EQ: 678 (01/2013)
Current Score: myFICO TU: 705, myFICO EQ: 690
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Cash Rewards, Chase Amazon Rewards
Garden since 02/19/13
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Established Contributor
MountainHiker
Posts: 643
Registered: ‎08-07-2012

Re: NFCU-Well, I just did a credit app over the phone......

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‎02-24-2013 01:47 AM

Congrats. Enjoy that new card.

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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