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

Regular Contributor

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.

Message 1 of 13
12 REPLIES
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 13
Established Contributor

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

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
Message 3 of 13
Mega Contributor

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

CONGRATS!!!!



EQ FICO 548 3/3/16
Message 4 of 13
Established Contributor

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

Thats awesome!!  Congratulations!!  Smiley Happy


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
Message 5 of 13
Established Member

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
Message 6 of 13
Regular Contributor

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.

Message 7 of 13
Established Contributor

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
Message 8 of 13
Frequent Contributor

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 EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 9 of 13
Highlighted
Established Contributor

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
Message 10 of 13