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Regular Contributor
Posts: 122
Registered: ‎10-29-2012
0

Not very smart!

I just got approved for nfcu visa cc for $6000!  So excited and was not thinking, apply again for a MasterCard. But this time instead of getting instant approval I got a message saying decision will be made in 3-5 days! I'm so bum that I made an irrational impulsive thing. And now there's 2 dings! I just pray NFCU  don't take back the first approval for the visa card. They can't right?  Hehe... And maybe will get approve for the MasterCard. Promise myself I will definitely start gardening! Thank you everyone! 

Epic Contributor
Posts: 24,276
Registered: ‎10-23-2007
0

Re: Not very smart!

wouldn't worry about it at all... you will probably get both.

Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
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Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
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Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Not very smart!


Rein wrote:

I just got approved for nfcu visa cc for $6000!  So excited and was not thinking, apply again for a MasterCard. But this time instead of getting instant approval I got a message saying decision will be made in 3-5 days! I'm so bum that I made an irrational impulsive thing. And now there's 2 dings! I just pray NFCU  don't take back the first approval for the visa card. They can't right?  Hehe... And maybe will get approve for the MasterCard. Promise myself I will definitely start gardening! Thank you everyone! 


Just call and find out and dont speculate, but sometimes credit unions only extend the max credit possible for new memebers. I dont think they will renig your first CC. 

 

Like myself I pushed my lucked with PenFed. But as always YMMV so this might not be the case for you and they will approve you. 


Good luck and keep us posted!


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Last Credit Card App: 11/16/13
Regular Contributor
Posts: 144
Registered: ‎07-21-2012
0

Re: Not very smart!

Two cards from the same company, one right after another...? I would hope they would give you a 3-5 message just for safety.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
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Valued Contributor
Posts: 1,540
Registered: ‎08-30-2012
0

Re: Not very smart!

NFCU  may use the same pull for both applications. You can always call them and request that they do.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: Not very smart!

Probably no big deal.  If they do question you about it, just say you wanted coverage over both Visa and Mastercard's payment networks.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
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Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Not very smart!

So whats the verdict you get the second card?

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


IN THE GARDEN UNTIL APRIL 2014

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Regular Contributor
Posts: 122
Registered: ‎10-29-2012
0

Re: Not very smart!

I did not get approve for the MasterCard. But at least I got the visa and start gardening! 

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