Frequent Contributor
Posts: 322
Registered: ‎09-18-2013

Re: NFCU experience

KoolDev wrote:
Remember, don't use over 500 of that limit unless you pay it off quick. ( To keep utilization down ). Good luck ! I have not looked at mine lately to see if it was 0 percent interest on purchases. Just applied and got it last Tuesday night

This is really only necessary if you're planning on app'ing and need to raise your scores. But if you're not, and you can PIF every month, don't stress about this needlessly.

  (Hover over pics for details) 
FICO:  TU 731 (05/14/14)   EX 749 (04/24/14)   EQ 684 (02/05/14)   Goal 700
FAKO:  TU 761 (05/20/14)   EX 761 (05/20/14)   EQ 743 (05/20/14)
Valued Contributor
Posts: 1,918
Registered: ‎06-21-2012

Re: NFCU experience

FYI, the apr for NAVChek is not the same for everyone. It is however, usually higher than their other credit products offered. It reports as a revolving line of credit, not a CC, either way it helps with utilization. Also, I wouldn't worry about utilization (especially staying 9% or less) unless you are getting ready to app for something.
| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board

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