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Poor Impulse Control...

Frequent Contributor

Poor Impulse Control...

I tried so hard to wait, but I couldn't!

 

Did the app for NFCU cashRewards last night and was approved for $5000 limit! My highest so far, so I'm not the least disappointed. Though I can't help but wonder if I'd have been granted a higher limit next month after lowering my utility. Either way, I'm in now so it can only get better, right!

 

I know people say this all the time, but I really have to thank this community for empowering me to take control of this area of my life.

 

myFICO rocks!

 


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 1 of 16
15 REPLIES
Established Contributor

Re: Poor Impulse Control...

Congrats!

 

In my experience if you treat Navy Fed well they will reward you with higher CL's!!

 

 

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 2 of 16
Frequent Contributor

Re: Poor Impulse Control...

That's the plan! Thanks!

 

And their customer service is as great as everyone claimed


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 3 of 16
Moderator Emeritus

Re: Poor Impulse Control...

Congrats! No need to worry, they are great with CLIs so you'll be fine in the future, this card will grow and you got a great starting limit on a great rewards card. Prepare yourself for the greenie to show up. Lol by far the ugliest card design ever, but you gotta love nfcu

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
Message 4 of 16
Frequent Contributor

Re: Poor Impulse Control...

lol, thanks Webhopper!  I'll probably be like the mother of a not-so-attractive child and think its the most beautiful card in the world lol


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 5 of 16
Valued Contributor

Re: Poor Impulse Control...

Poor impulse control... hmmm....   I think that is a good name for this website:

 

myPOORIMPULSECONTROL  

 

That is ALL of us....  Smiley Very Happy


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 16
Established Contributor

Re: Poor Impulse Control...


crunching_numbers wrote:

Poor impulse control... hmmm....   I think that is a good name for this website:

 

myPOORIMPULSECONTROL  

 

That is ALL of us....  Smiley Very Happy


hahahaha i like that!!HILARIOUS.. but trueSmiley Happy.. CONGRATS OP on the approval and high CL. how many INQs did ya have before you applied?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 7 of 16
Valued Contributor

Re: Poor Impulse Control...

agreed with all of the above comments got last puzzle in wheel last week keep pluging away for real and said it and walked out of room not sure if parents thhink Im a savant or just...


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 8 of 16
Frequent Contributor

Re: Poor Impulse Control...

I consider myself a pretty intelligent person, but for the life of me can't figure how to include other's comments in my replies...anywhoo...

 

 

TONS of inquiries. They pulled TU on me and I have 16 there in past 2 years. 11 this year and about 5 of those are from car purchase. The rest are from, well, poor impulse control...


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 9 of 16
Established Contributor

Re: Poor Impulse Control...

hahaha dont feel too bad JOURNEY i just figured that out myself. just click on the comment you want to reply too and when the reply screen comes up theres a little blue botton right above this box to the right that says "QUOTE" its right beside SPELLCHECK, just click QUOTE and that will pull up the previous posters comment Smiley Happy



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 10 of 16