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New Contributor
Posts: 76
Registered: ‎10-25-2012
0

NFCU cashRewards

I just became a member of Navy Federal Credit Union thanks to my grandfather's service in the Army.  Getting to the right person to confirm my eligibility was a little painful but then very easy to get everything set up.  Like many, under the offers tab was the 'pre-selected' message regarding the cashRewards card.  

 

On the application it asked for an 'Acceptance Code*' - which I don't have nor know where I can obtain.  Do I need to call in for one or expect something in the mail?

 

Currently my TU is 646 - with a paid/satifactory civil judgement, three derogs (EOS-CCA which I have a letter it will be deleted, Medical CA $700 from Nov 2006, and Verizon which has been disputed).  My Utilization is reporting at 33% though will be under 10% as I paid most balances to zero 20 days before statement date usually 10th of the month.  

 

So if I apply after my UTL goes down, should I count on being approved?  If so, what kind of CL?  I'm seeking a card over 2k to raise my UTL and establish decent credit.  

Thanks in advance for your input.

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: NFCU cashRewards

Look up your EQ score here as that is what they use. Get your UTIL under 10% and enough time for your EQ CR to update with new balances. If your EQ is around your TU score you should be fine and if your income is average you should get more than 2k CL


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: NFCU cashRewards

NFCU only pulls TU for me
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: NFCU cashRewards

They pulled TU for membership and EQ for Flagship Siggy.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010
0

Re: NFCU cashRewards


Duncanrr wrote:
They pulled TU for membership and EQ for Flagship Siggy.

Just to add...that is from your experience. May not be the same for everyone.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: NFCU cashRewards

True


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
New Contributor
Posts: 76
Registered: ‎10-25-2012
0

Re: NFCU cashRewards

They pulled TU for the membership.  I'll update who they pull when I apply after my UTL % decreases next week.  Thanks for the feedback.  Fingers crossed for good approval and good CL, also establishing myself with NFCU as next year I hope to get a new set of wheels when my promotion comes through,

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NFCU cashRewards

good luck im apping with them too next week. let us know how it goes

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
New Contributor
Posts: 76
Registered: ‎10-25-2012
0

Re: NFCU cashRewards

Applied today!  TU score 694 with one disputed derogitory account 

 

Congratulations! Based on your creditworthiness, you have been approved for a . Your credit line will be $7,000.00. Your APR will be . You should receive your new card(s) in 7-10 business days.

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: NFCU cashRewards

Nice going.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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