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Should I walk in and apply or fill out the online forum? NFCU

Valued Member

Should I walk in and apply or fill out the online forum? NFCU

I'm thinking about applying next week for one of their CC's. What would you do. Apply in person or online? I have to go in anyways. Does it even matter? This is for NFCU.

NFCU Cash Rewards Sig $10k, NFCU Flagship $7.5K, NFCU LOC $7,500
Discover IT $600, Barclays MC Rewards $1,900,Barclay's Apple $1,500 Capital One $2,500, Capital One $1,500, US Bank 1-2-3 Rewards $2,500, US Bank FlexPerks AMEX $5,000, Walmart $1,200, USNMFCU $10,000, AMEX Everyday $500, AMEX BCE $8,000.


Message 1 of 6
5 REPLIES
Valued Member

Re: Should I walk in and apply or fill out the online forum? NFCU

The girl that helped me open my acct was really nice and just doing her job. She was also the loan officer. I'm sure she handles the CC's too. 

NFCU Cash Rewards Sig $10k, NFCU Flagship $7.5K, NFCU LOC $7,500
Discover IT $600, Barclays MC Rewards $1,900,Barclay's Apple $1,500 Capital One $2,500, Capital One $1,500, US Bank 1-2-3 Rewards $2,500, US Bank FlexPerks AMEX $5,000, Walmart $1,200, USNMFCU $10,000, AMEX Everyday $500, AMEX BCE $8,000.


Message 2 of 6
Valued Contributor

Re: Should I walk in and apply or fill out the online forum? NFCU

If she HOT then go for it Smiley Very Happy

Come in store and see her.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 6
Valued Member

Re: Should I walk in and apply or fill out the online forum? NFCU

Lol yes she was hot. That wouldn't be the reason. If only i were single. Just wondering if its better to deal with a real person verses a computer when applying with them?

NFCU Cash Rewards Sig $10k, NFCU Flagship $7.5K, NFCU LOC $7,500
Discover IT $600, Barclays MC Rewards $1,900,Barclay's Apple $1,500 Capital One $2,500, Capital One $1,500, US Bank 1-2-3 Rewards $2,500, US Bank FlexPerks AMEX $5,000, Walmart $1,200, USNMFCU $10,000, AMEX Everyday $500, AMEX BCE $8,000.


Message 4 of 6
Valued Contributor

Re: Should I walk in and apply or fill out the online forum? NFCU

It would be the same result thou.....if you credit file look perfect.

Sometime they need to verify some information on your credit report and confirm  who you said are......most of the time 5  7 days message for that specific reason. 

I would come to store and see that hot chick again.

Oh yeah tell her i said hi too. Smiley Very Happy


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 6
Valued Contributor

Re: Should I walk in and apply or fill out the online forum? NFCU

If they were that close to me I'd be walking in their office immediately!  It's something about that face to face contact that does make a difference IMO.  Plus if there is some sort of hiccup with setting up your account or applying for a CC then you can get it cleared up at that moment instead of waiting.  Funny though, everything I just said was done professionally and quickly on the phone as well.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 6