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Navy Federal Credit Union...wow

Member

Navy Federal Credit Union...wow

Ok, so here it goes...

 

...long time reader, first time poster.  

 

I joined forum about four months ago, with all of my scores in low 600s.  I started reading a lot of great info here, and it has really helped.  I was able to raise my score to mid 600s by paying off some credit card debt.  As soon as I did this, I opened account with Navy Federal (learned about them here - yes, am active duty military).  After opening account, applied for credit card, and was approved for Visa Signature Cash Rewards with 5K limit.  This blew me away!  Within two weeks, was approved for Chase Freedom (4.5K) and Chase MIlitary Star (2K Chase / 8.5K Star).  I thought, ok, lets sit on it.  Kept cards paid off since accounts opened in April (Military Star opened in 2002, but Chase added in April 2013).  This evening, felt froggy, so thought lets see if I can get overdraft line of credit with NFCU...approved for 7.5K.  Thought 'wow', that was simple.  Let's see if NFCU loves me on my Signature card...requested increase to 7.5K...approved instantly...10K...approved instantly....15K....approved instantly...20K...approved instantly...25K...counter offer for 22K, which I accepted.  I love this credit union.  They rock!

 

Current scores:  Experian 680; Transunion 720; Equifax 705

Chase Military Star MC: $2000MC / $8700Star; Capital One: $750; Navy Fed Signature Visa: $22500; Navy Fed Overdraft: $7500; Chase Freedom: $4500

Score (April 13): TU693 FICO, EQ698 FICO, EX unk.
June 2013: TU717, EQ700, EX678
Goal: 750+
Message 1 of 10
9 REPLIES
Super Contributor

Re: Navy Federal Credit Union...wow


skf wrote:

Ok, so here it goes...

 

...long time reader, first time poster.  

 

I joined forum about four months ago, with all of my scores in low 600s.  I started reading a lot of great info here, and it has really helped.  I was able to raise my score to mid 600s by paying off some credit card debt.  As soon as I did this, I opened account with Navy Federal (learned about them here - yes, am active duty military).  After opening account, applied for credit card, and was approved for Visa Signature Cash Rewards with 5K limit.  This blew me away!  Within two weeks, was approved for Chase Freedom (4.5K) and Chase MIlitary Star (2K Chase / 8.5K Star).  I thought, ok, lets sit on it.  Kept cards paid off since accounts opened in April (Military Star opened in 2002, but Chase added in April 2013).  This evening, felt froggy, so thought lets see if I can get overdraft line of credit with NFCU...approved for 7.5K.  Thought 'wow', that was simple.  Let's see if NFCU loves me on my Signature card...requested increase to 7.5K...approved instantly...10K...approved instantly....15K....approved instantly...20K...approved instantly...25K...counter offer for 22K, which I accepted.  I love this credit union.  They rock!

 

Current scores:  Experian 680; Transunion 720; Equifax 705


Welcome to the forum

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 10
Frequent Contributor

Re: Navy Federal Credit Union...wow

That's crazy is all I can say haha. NFCU seems to love their members. Congrats.
AE CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200

TU (Discover): 663 | EQ (Citi): 651
Message 3 of 10
Established Member

Re: Navy Federal Credit Union...wow

I have a NFCU account and love them - at this point I was denied a card due to my credit history.  I'm hoping in a couple of years after rebuilding after some big hiccups I will be able to also get some of their CC love.

 

Congrats on your increases! Keep it up! =)

Starting: 06.2013 - [EQ: 525] { TU/CK: 619 TU/WM: 614) [EX/CS: 583]
Current: 12.2013 - [EQ: 621] {TU/CK: 634 TU/WM: 637} [EX/CS: 610]
Goal: 750


[mightymoxie.com]
Message 4 of 10
Valued Contributor

Re: Navy Federal Credit Union...wow

Welcome to the Forums!!

Welcome to the NFCU club...yes the ROCK!!

*8/10/13
Message 5 of 10
Community Leader
Senior Contributor

Re: Navy Federal Credit Union...wow


Arailah wrote:

I have a NFCU account and love them - at this point I was denied a card due to my credit history.  I'm hoping in a couple of years after rebuilding after some big hiccups I will be able to also get some of their CC love.

 

Congrats on your increases! Keep it up! =)


You could start with their secured card Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 6 of 10
Established Contributor

Re: Navy Federal Credit Union...wow

Congrats on the increases! You are well on your way...
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
Message 7 of 10
Member

Re: Navy Federal Credit Union...wow

Thank you, all.  Really blown away.  MyFico is awesome!  Listen to advice, and watch out!  NFCU rocks!

Chase Military Star MC: $2000MC / $8700Star; Capital One: $750; Navy Fed Signature Visa: $22500; Navy Fed Overdraft: $7500; Chase Freedom: $4500

Score (April 13): TU693 FICO, EQ698 FICO, EX unk.
June 2013: TU717, EQ700, EX678
Goal: 750+
Message 8 of 10
Super Contributor

Re: Navy Federal Credit Union...wow

Welcome ot the forums.

 

NFCU has been great for me also.




Message 9 of 10
Member

Re: Navy Federal Credit Union...wow

Thinking of starting NFCU fan page...lol.  Thanks to all on this forum.

Chase Military Star MC: $2000MC / $8700Star; Capital One: $750; Navy Fed Signature Visa: $22500; Navy Fed Overdraft: $7500; Chase Freedom: $4500

Score (April 13): TU693 FICO, EQ698 FICO, EX unk.
June 2013: TU717, EQ700, EX678
Goal: 750+
Message 10 of 10