Reply
Community Leader
Valued Contributor
Posts: 1,408
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. Smiley Happy. 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
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
Posts: 1,408
Registered: ‎07-12-2011
0

Re: NCFU

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


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
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.  Smiley Happy


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

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
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
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. Smiley Happy. 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
Posts: 665
Registered: ‎08-02-2011
0

Re: NCFU


Crashem wrote:

Go for it.


+1

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

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | 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 | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NCFU

So what's the verdict? Smiley Happy

-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

Moderator Emeritus
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
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.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.