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Established Contributor
improvingmycredit
Posts: 985
Registered: ‎07-12-2011

NFCU

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‎08-08-2012 09:26 PM - edited ‎08-10-2012 02:39 PM

I just opened a NCFU checking/savings account.   After reading so many great things about them, thought I should go ahead and take the plunge.  My question:  when should I apply for their credit card.  I haven't even received any paperwork or online access yet.  I did check my reports today and they SP'd EQ for the account opening 2 times.  Weird.  Everything I've read about them says that they should have HP'd me for the account opening.  All I've received so far is an email asking for ss# verification and a copy of my ID which I responded to today.  Thanks for your help. 

Starting Score: 642
Current Score: EQ 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

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Valued Contributor
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: NCFU

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‎08-08-2012 09:28 PM

Go for it.

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
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squirrely2005
Posts: 83
Registered: ‎02-01-2012

Re: NCFU

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‎08-08-2012 09:37 PM

With those scores, go for it. I just got approved today and my scores would have to be about 100 points lower than yours. I stopped using my checking account with them in Jan and they charged off a negative balance. I had no idea it was and I figured I'd get a letter that I got an OD but never did so thought it was fine.

Anyway you'll get it.

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jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: NCFU

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‎08-08-2012 09:38 PM

Go for it! Don't wait. :smileyhappy: Apply via phone. (they are 24 hours by phone)

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
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Established Contributor
improvingmycredit
Posts: 985
Registered: ‎07-12-2011

Re: NCFU

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‎08-08-2012 09:47 PM

Thanks!  Really?  I don't even know my account number yet.  I will hit them up in the morning then.  :smileyhappy:. Which card do you recommend?  Is the Flagship worth the AF?  I've been looking for a no foreign exchange fee card to use overseas.  

Starting Score: 642
Current Score: EQ 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge
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jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: NCFU

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‎08-08-2012 10:08 PM

If you travel, I've heard good things about the flagship. Otherwise, Cashrewards is really popular.

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

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Valued Contributor
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: NCFU

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‎08-08-2012 10:11 PM

What cards and limits do you have now?

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
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webhopper
Posts: 6,770
Registered: ‎09-16-2011

Re: NCFU

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‎08-08-2012 10:18 PM

Yep, don't wait! Call and apply over the phone. You may be able to get your online access set up over the phone
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


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Established Contributor
improvingmycredit
Posts: 985
Registered: ‎07-12-2011

Re: NCFU

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‎08-08-2012 10:20 PM - edited ‎08-08-2012 10:29 PM

@ Crashem...  Freedom 11K / Amex BCP 18.3K / Citi DP 10K / Amex BSP 10K and a few other smaller limits.  Looking to close a few actually if NFCU come up with a over the top limit.  AAoA 7+ yrs. Scores are all FICO.

Starting Score: 642
Current Score: EQ 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge
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Established Contributor
improvingmycredit
Posts: 985
Registered: ‎07-12-2011

Re: NCFU

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‎08-08-2012 10:21 PM

@ jordanmedical.... Thanks!  I appreciate the feedback!

Starting Score: 642
Current Score: EQ 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge
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