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!
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