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New NFCU member today + visa sig + auto refi!!!!!

Established Member

New NFCU member today + visa sig + auto refi!!!!!

NFCU is amazing. Became a member today. Immediately applied for visa flagship signature. Instant approval $10,000. Then 5 minutes later refinanced car @3.3%. Fico scores of 662 and 672. Utilization at 86%. Didn't think I would be approved for either. Already faxed in pay stubs and check is being over nighties to me to pay off car Tuesday!!!

 

amazing service. Very fast. $10k is my highest limit. Have Barclays Lufthansa at $7500 and chase sapphire at $5000 both maxed out. 

 

If you can join do it!!!!! 

 

Chris

Message 1 of 10
9 REPLIES
Frequent Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!

congrats nice start


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 2 of 10
Valued Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!

congrats on everything! 

hopefully the 10k card will be for emergencies! 

as soon as you get your util down (with the money you saved on the auto refi) your scores will shoot up! 

good luck. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 10
Highlighted
Established Member

Re: New NFCU member today + visa sig + auto refi!!!!!

Thanks. Yes when my utilization is around 10% my scores are around 730. I went A little crazy for the holidays. 

Message 4 of 10
Valued Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!

That's awesome congrats!


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 10
Valued Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 10
Frequent Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!

Wooohoo!! Great job  and congrats at the approvals. 

 

Did they use the one HP for all of that or did they do separate ones? did u do it over the phone, online or in person?

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 7 of 10
Established Member

Re: New NFCU member today + visa sig + auto refi!!!!!

I became a member on the phone. both approvals instant online. Don't know about how many pulls yet. 

Message 8 of 10
Epic Contributor

Re: New NFCU member today + visa sig + auto refi!!!!!


NewbieReed wrote:

Wooohoo!! Great job  and congrats at the approvals. 

 

Did they use the one HP for all of that or did they do separate ones? did u do it over the phone, online or in person?


Navy HP for EVERYTHING.... Credit Cards, Auto, Line of Credits, etc. etc.... they are done in different departments and different underwriters... it's strange but they say they don't talk to each other.

and Navy has the 0% right now, I would pay off the Barclay and Chase to the 0%. either apply for a 2nd Navy Card or ask them to up the limit on the new $10k to BT both cards in full.. bet they will do it!!!

Message 9 of 10
Established Member

Re: New NFCU member today + visa sig + auto refi!!!!!

Buddy. I like where your head is at. That's a good idea. Will it be another hp to raise limit??? I really don't care as I have way more credit than I need. My 3 Amex cards my discover and my two department store cards (Macy's and Nordstrom ) are all at zero balance so I could care less if they hp me 33 times. 

 

Thanks for the great idea 

 

chris

Message 10 of 10