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Frequent Contributor
Posts: 331
Registered: ‎08-27-2012
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NFCU cash rewards offer

So i've been a member of nfcu for a couple months, was approved then for nreward $500 limit unsecured. I was denied for the overdraft loc and I think an auto refinance. Ive gardened for about a month and scores went up about 20pts(fako) & today I got my first ever pre approval offer. I think? Nfcu sent me a letter for their cash reward, with an approval code. So I applied online, and got the processing message(as I did with the nrewards & was approved). Just wondering, is nfcu usually pretty...honorable with their preapprovals? I know nothing is guaranteed, but has anyone experienced their preapprovaks and what was the outcome? My fako scores WERE in 560's, now around 590's(so I guess closer to 30 pts increase in a month) sorry for the long post!
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: NFCU cash rewards offer

I recieved a preapproval offer last month for the cash rewards. It was a balance transfer offer i accepted and recieved a text message 24hrs later congratulating my approval.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: NFCU cash rewards offer

I would say yes; they are honarable with pre approvals.
I had a pre selected offer banner online; I decided to do it and got a 22k limit

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Regular Contributor
Posts: 198
Registered: ‎03-02-2012
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Re: NFCU cash rewards offer

are preapprovals a soft/hard pull with NFCU?

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NFCU cash rewards offer

Pre approvals are soft. If you apply it ends up being a hard pull. You can call and ask csr if they see any offers for you. Apparantly they can see what you are pre approved for when you call.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 331
Registered: ‎08-27-2012
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Re: NFCU cash rewards offer

Sorry, totally.forgot to add that my balance right now on my nrewards is $239 over my limit (problem with my Wells fargo acct that completely screwed me, so I closed it but have made 3 payments to my nrewards this month) so im wondering if thats going to affect the approval? The date the preapproval letter was sent was definitely after I went over my limit, so I dont know how that will affect me.
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NFCU cash rewards offer

What's your limit on nrewards card?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 331
Registered: ‎08-27-2012
0

Re: NFCU cash rewards offer

$500
Regular Contributor
Posts: 198
Registered: ‎03-02-2012
0

Re: NFCU cash rewards offer

Does the preapproval appear under Offers online or do they send you a message?

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Frequent Contributor
Posts: 331
Registered: ‎08-27-2012
0

Re: NFCU cash rewards offer

It was an offer I received in the mail.

 

they denied me today for the cash rewards :smileysad: several reason : too many recent inq's, balances too high, BK, blah blah blah.

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