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.
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.
08-08-2012 09:38 PM
Go for it! Don't wait. Apply via phone. (they are 24 hours by phone)
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. . 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.
08-08-2012 10:08 PM
If you travel, I've heard good things about the flagship. Otherwise, Cashrewards is really popular.
08-08-2012 10:18 PM
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.
08-08-2012 10:21 PM
@ jordanmedical.... Thanks! I appreciate the feedback!
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