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Regular Contributor
sbeasl11
Posts: 122
Registered: ‎07-23-2012

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

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.

Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

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

Congrats on the approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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

[ Edited ]

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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

CONGRATS!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

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

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 $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Member
brittany15213
Posts: 29
Registered: ‎02-21-2013

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

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
Regular Contributor
sbeasl11
Posts: 122
Registered: ‎07-23-2012

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

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.

Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

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

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
Frequent Contributor
_jb_
Posts: 306
Registered: ‎01-16-2013

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

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


Starting Scores: myFICO EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

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

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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