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Valued Member
MetalguitarJames
Posts: 35
Registered: ‎03-05-2012
0

New NFCU Customer *UPDATED*!!!!

[ Edited ]

I decided to sign up for a savings and checking account through NFCU today because my dad is retired AF. I'm an AF vet as well but I didn't retire. I just got out after my enlistment ended. Nevertheless I'm pretty stoked because I've heard nothing but great things about these guys.

 

I already had an offer to refi my auto loan but I'm waiting until my score goes back up due to high utilization on my Credit cards. (50%). They should be reporting around 9% by the end of the month judging by when I get my credit alerts from Score Watch. I want to apply for a credit card with NFCU but I think it'll be wiser to wait considering I have a total of 11 inquiries right now :smileysad:

 

The majority of the inquiries was for an auto loan when I was shopping for the best rate. My scores are hovering around the 660's right now. One baddie on my EQ report (Lates on student loans that I'm in the process of getting removed due to the Direct Loans Rehab Program). 

 

My question is, would it be better to wait to apply for a credit card with them once the inquiries fall off? It'll be around March 2014 for them to fall off. 2 years from date of inquiry :smileysad:

 

 

*UPDATED* 

 

They approved me for a $7,500 limit cash rewards card!!!!!! Life is great!!!!!!!

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: New NFCU Customer

Nah; don't wait. Nfcu doesn't care about your inquiries.

They approved me for a 22k cashrewards card; I had 18 inqs on tu; they pulled tu for my auto refinance and for the credit card.

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
Valued Member
MetalguitarJames
Posts: 35
Registered: ‎03-05-2012
0

Re: New NFCU Customer

Well I pulled the trigger and app'd. I applied over the phone as I read that it's better to go that way. It's going to the lending committe for further review and he told me to call back tomorrow in the afternoon. The rep stated that nothing popped out at him that would indicate a denial but we'll see. I'm trying to transfer all of my balances over to the cash rewards card. I'll find out tomorrow!

 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: New NFCU Customer

Good luck!!!

I'm going to be crossing my fingers for you to get an outstanding initial starting limit, as NFCU is well known for those

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
Valued Member
MetalguitarJames
Posts: 35
Registered: ‎03-05-2012
0

Re: New NFCU Customer

Approved for a $7,500 limit yay!!!!!!!!!!!!!!

Contributor
A_Madel
Posts: 92
Registered: ‎06-16-2012
0

Re: New NFCU Customer

Congrats!

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: New NFCU Customer *UPDATED*!!!!

Congrats! :smileyhappy: Welcome to the club! :smileyvery-happy:

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: New NFCU Customer *UPDATED*!!!!

nice limit congrats

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
Valued Member
MetalguitarJames
Posts: 35
Registered: ‎03-05-2012
0

Re: New NFCU Customer *UPDATED*!!!!

Just a note:

 

EQ FICO was 661

 

I have:

 

Cap1 Platinum - $100/$500CL

Cap1 Cash Rewards - $76/$500CL

Orchard Bank (HSBC now Cap1) - $139/$500CL

Walmart - $289/$1000CL

 

Had 11 inquiries and a current auto loan for $22.7k

 

Also had them do a BT for all of my cards. I'll most likely end up closing the Orchard Bank card and one of the Crap 1 cards as my fiance is adding me as an AU on her Golden 1 CU CC that has an excellent history of 5 years so I'm hoping it'll offsett the AAOA hit :smileyhappy:

 

I'm still in shock that I got such a decent credit limit. My APR isn't prime but it's better than my Crap1 cards for sure! 14.65%

 

It'll certainly help with my Utilization and DTI. I feel like I'm on cloud 9 right now. This is the highest limit I've ever recieved on a credit card. I'll cherish being a memeber for a long time to come!

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: New NFCU Customer *UPDATED*!!!!

whats your aaoa?

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

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