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Two New Cards: USB & NFCU (um actually 3)

Frequent Contributor

Two New Cards: USB & NFCU (um actually 3)


USB, two accounts: 10,000 and 17,300

NFCU, one account: 15,000

 

USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.

 

No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.

 

Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB. Smiley Happy

Message Edited by Karatz on 10-01-2009 02:24 PM
TransUnion/Equifax
746/754
Date: 9/24/2009/10/02/2009
Message 1 of 6
5 REPLIES
Moderator Emerita

Re: Two New Cards: USB & NFCU (um actually 3)

Wow, you've been busy, haven't you? Smiley Very Happy

Congrats, nice lines.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 6
Frequent Contributor

Re: Two New Cards: USB & NFCU (um actually 3)


Karatz wrote:

USB, two accounts: 10,000 and 17,300

NFCU, one account: 15,000

 

USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.

 

No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.

 

Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB. Smiley Happy

Message Edited by Karatz on 10-01-2009 02:24 PM

Are the USB cards pre-selected/pre-approved offers?  Did USB offer 2 separate credit card offers

I want PATIENCE...and I want it NOW
Message 3 of 6
Frequent Contributor

Re: Two New Cards: USB & NFCU (um actually 3)


illtakecreditforthat wrote:

Karatz wrote:

USB, two accounts: 10,000 and 17,300

NFCU, one account: 15,000

 

USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.

 

No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.

 

Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB. Smiley Happy

Message Edited by Karatz on 10-01-2009 02:24 PM

Are the USB cards pre-selected/pre-approved offers?  Did USB offer 2 separate credit card offers


No. The USB cards were from walking in to the branch. I run a book business on amazon and half. I wanted two accounts so I could separate charges. It was a bit strange cause the higher limit one was the 2nd one approved. 

TransUnion/Equifax
746/754
Date: 9/24/2009/10/02/2009
Message 4 of 6
Valued Contributor

Re: Two New Cards: USB & NFCU (um actually 3)

Unless, they've changed their policy, you can get up to 3 cards with NFCU.

 

 

 

New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 5 of 6
Frequent Contributor

Re: Two New Cards: USB & NFCU (um actually 3)

My DH and I applied for the nRewards & Platinum with NFCU yesterday. Today he had to fax them copies of paystubs. 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 6 of 6