Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012


Hope you get it!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Member
Posts: 1
Registered: ‎03-14-2013


The same thing happened to me; wanted me to take proof of identity and address into the branch. I told the CSR who called me, "I better not do all of this and then not get approved" and her response was, "If they are asking for all of this info, they are more than likely wanting to approve you." Which, they did. Sucks you had to drive two hours though...

AMEX Gold - 650/NPSL, NFCU Cash Rewards MC - 0/8.5k, Care Credit - 0/6k, Chase Hyatt - 0/5k, BoA Platinum Plus VS - 0/3k, RBFCU Gold Rewards VS - 0/3k, Discount Tire - 0/1.9k, JCP - 0/1.6k, Rooms To Go - 0/1.2k, Lowe's - 0/1.2k, Ashley Furniture - 0/1k, Macy's - 0/1k, USAA Platinum Rewards 0/1k, NY&C - 0/300.
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012


The crazy thing; I got back with them recently and was approved after one day on each my nRewards secured and Cash rewards unsecured. My EQ was 594 and TU was 595.. I was denied navChek because of "Bankruptcy too recent, not enough credit experience".. I will re apply in 2014!! :smileyvery-happy: when should I ask for a increase? hehe



goodluck! you will approved with your scores.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
New Contributor
Posts: 72
Registered: ‎12-20-2012


[ Edited ]

Update: I was approved! They gave me one of my lowest limits (500). Im a little bummed about that but at least im in? Will ask for an increase after 6 months, 500 dollars is very toyish though... But im in and cant complain. NFCU here i come, Good luck to everyone else going through the process.

Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Regular Contributor
Posts: 222
Registered: ‎10-25-2010


Congrats on joining the NFCU family.

Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 696 TU08 04/2015 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $3K | Walmart $4.5K
Established Contributor
Posts: 761
Registered: ‎10-16-2007


That toy limit will grow in the next year! I went from 5k in credit with NFCU to over 42.5k in less than year. Its possible just keep a good relationship with them and you will be fine.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,



Chase Star Card
New Member
Posts: 2
Registered: ‎09-27-2011


Well at least you got a foot in the door once your in its up to you to make the most of it

Starting Score: 570
Current Score: 703
Goal Score: 725+
what's in my wallet nfcu sig cash rewards 14k nfcu n rewards 7k usaa plat mc 8k usaa Amex 8k discover 4k Barclays card 1k military star 3.1k. Chase military star 8k cap1 visa 1k

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Established Contributor
Posts: 955
Registered: ‎02-02-2013


Congrats on getting your foot in the door!!!
That foot is in a very good doorway!!

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Regular Contributor
Posts: 230
Registered: ‎04-08-2008


alessandrom wrote:

Update: I was approved! They gave me one of my lowest limits (500). Im a little bummed about that but at least im in? Will ask for an increase after 6 months, 500 dollars is very toyish though... But im in and cant complain. NFCU here i come, Good luck to everyone else going through the process.

Congrats! I wouldn't complain though...lots of people are dying to get their foot in the door! Your limit will grow!!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

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


Your limit will grow...  My hubby started with a $2500 limit, now its at 12k... he got the card in June 2012

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!

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