Reply
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: NFCU credit card application - waiting and waiting and waiting


networkguy wrote:

I think theyre just slow as a general rule. My ncash Visa took 5 days to approve, and my mortgage app is on its 7th day still in underwriting (at least its in underwroting!). When I qualified for FHA it took 36 hours.


 

I think it depends on the individual.  I have never had anything but instant approvals from NFCU.  Where there was lag time, however, is having their verbal approval reflected in the online application status.

IAALBNYL
Senior Contributor
score_building
Posts: 3,552
Registered: ‎01-10-2008
0

Re: NFCU credit card application - waiting and waiting and waiting

[ Edited ]

O6 wrote:

networkguy wrote:

I think theyre just slow as a general rule. My ncash Visa took 5 days to approve, and my mortgage app is on its 7th day still in underwriting (at least its in underwroting!). When I qualified for FHA it took 36 hours.


 

I think it depends on the individual.  I have never had anything but instant approvals from NFCU.  Where there was lag time, however, is having their verbal approval reflected in the online application status.


Agreed...only instant or <12 hrs for approval here, they're probably more busy at certaiin times than others, for eg. the 0/0 current bt offer has likely generated some additional app. activity. 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
New Member
indy_17
Posts: 4
Registered: ‎05-10-2011
0

Re: NFCU credit card application - waiting and waiting and waiting

I was APPROVED!!!!!!!!!!!  :smileyhappy: :smileyhappy: :smileyhappy:

It is only a 500 dollar cl but I am PSYCHED to have a foot in the door with a real, prime institution!  I finally called in on Sunday afternoon and the automated system reported my approval and I had to get a customer service rep to find out the cl - but it still isn't updated on the website, weird.

Thanks everyone for your responses.  

Can anyone advise the best way to use the card in order to get cli as soon as possible?  My plan is to use it as a grocery or gas card and then pay it off before the statement cuts.  Should I pif or should I leave 1-10% util?  I've never understood this part!


Starting Score: 556
Current Score: 609
Goal Score: 700


Take the FICO Fitness Challenge
Established Member
sarahscott1561
Posts: 60
Registered: ‎04-22-2011
0

Re: NFCU credit card application - waiting and waiting and waiting

Congratulations!!!


Starting Score (May 2011): 611 - TU
Current Score: 611 - TU
Goal Score for 2012: 700 Club!


Take the FICO Fitness Challenge

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.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}