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

Re: NCFU

@ Webhopper... Thanks!  I'm going for it in the AM.  Feel weird about it because I have nothing but a welcome email. :smileyhappy:. Still going to go for it.  LOL


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


improvingmycredit wrote:

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.


I am betting on 25-30ishk line.  Since I am not eligible for membership, I have to rely on memory.  I believe only their flagship product has no ft and has small af.  In terms of rewards, their cards are strictly average.  But they are nice to deal with and generous lending standards are what make theyinteresting.

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

Re: NCFU

@ Crashem... Thanks again.  Always helpful.  I sincerely hope you are correct.  That's be amazing.  :smileyhappy:


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


improvingmycredit wrote:

@ Crashem... Thanks again.  Always helpful.  I sincerely hope you are correct.  That's be amazing.  :smileyhappy:


total guess since I don't knowincome and assuming low utilization.

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NCFU

im willing to bet they give you your highest CL. Def let us know the results

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NCFU


improvingmycredit wrote:

@ Webhopper... Thanks!  I'm going for it in the AM.  Feel weird about it because I have nothing but a welcome email. :smileyhappy:. Still going to go for it.  LOL


I've never seen higher than 25k on initial approval... so I'm going to bet on 25k!

 

My pre-approval for my cashRewards card was made after I'd already sent them investment account statements, bank statements, checking and savings, pay stubs.  They knew I had plenty of cash in savings when they gave me a card.   When I applied for the card, my checking account balance was 19k

 

I think that's where the manual review that NFCU does is superior to any other lender.  As you can see, none of my other cards even come close to touching my NFCU limit


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
Established Contributor
searchingfor67
Posts: 665
Registered: ‎08-02-2011
0

Re: NCFU


Crashem wrote:

Go for it.


+1

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NCFU

So what's the verdict? :smileyhappy:

-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

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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NCFU

I'm thinking that the longer we wait the higher the limit will be. I had to wait til Tuesday and I applied on a sat.

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
Frequent Contributor
Middleswarth
Posts: 253
Registered: ‎08-31-2011
0

Re: NCFU

It seems odd to me that you didn't get your online account setup right away.  I was signed in within minutes of opening the account.  I applied within a few hours for my CC online.  I did have to call a rep to get my online access straightened out (I had it setup and must have messed it up somewhere along the line), but the call was quick and the rep was super helpful.


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