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

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! 

Mega Contributor
Creditaddict
Posts: 18,838
Registered: ‎10-23-2007

Re: Not very smart!

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

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

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!


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
HenryJumbo
Posts: 136
Registered: ‎07-21-2012

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
In my wallet:  $12,500  $8,000
Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

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 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
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Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

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)
Goal Score: 720


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Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007

Re: Not very smart!

So whats the verdict you get the second card?

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,


IN THE GARDEN UNTIL APRIL 2014

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

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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