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Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

NFCU

[ Edited ]

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 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

Re: NCFU

Go for it.

               LIMITS IN CARD DESCRIPTIONS
Contributor
squirrely2005
Posts: 100
Registered: ‎02-01-2012
0

Re: NCFU

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.

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NCFU

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

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
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

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: NCFU

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 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NCFU

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

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
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

Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

Re: NCFU

What cards and limits do you have now?

               LIMITS IN CARD DESCRIPTIONS
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NCFU

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: 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
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: NCFU

[ Edited ]

@ 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 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: NCFU

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


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K


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