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NFCU approved CC then changed mind

Frequent Contributor

Re: NFCU approved CC then changed mind

Eventhough they closed your card look at it from another aspect u are a member and with time u will have a card with a nice limit. Some people are not eligible and want in. You passed part a so just work harder on part b. Best of luck to you.

Message 11 of 17
Established Contributor

Re: NFCU approved CC then changed mind


wallyworld123 wrote:

Eventhough they closed your card look at it from another aspect u are a member and with time u will have a card with a nice limit. Some people are not eligible and want in. You passed part a so just work harder on part b. Best of luck to you.


+1

 


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 12 of 17
Frequent Contributor

Re: NFCU approved CC then changed mind

Don't worry about NFCU, worry about your debt management program kicking you out....

 

When my wife did her's years ago, they were VERY clear with her that if she even app'd for new credit - ANYTHING didn't matter what it was, she would be kicked out of the program instantly and that all her rates would go back to the origional interest rates....and if she didn't catch them early enough (as in to make a payment) she could very easily default - if she let it go past 30 days.

 

Obviously paying 20% vs 5% means they all won't be PIF come Jan. if you get kicked out.



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Message 13 of 17
New Contributor

Re: NFCU approved CC then changed mind

Thanks to everyone who replied Smiley Happy NFCU reversed their decision and opened the credit Card back up for us! NFCU has been awesome Smiley Happy We left the debt management program. We can afford to make our payments until January and PIF all of our debt that we currently have in January. I would rather pay a little more interest and higher payment for 2 months and PIF in January since we can afford it rather than stay on a debt management program that looks bad on our credit when we don't need it. So excited that I will be completely debt free other than my car payment come January!

NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Message 14 of 17
Valued Contributor

Re: NFCU approved CC then changed mind

good work
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 15 of 17
New Contributor

Re: NFCU approved CC then changed mind

thanks Smiley Happy

NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Message 16 of 17
Highlighted
Valued Contributor

Re: NFCU approved CC then changed mind

That's great news, Congrats! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 17 of 17