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*UPDATE* PSECU or NFCU

Frequent Contributor

*UPDATE* PSECU or NFCU

****YOUR CREDIT CARD HAS BEEN APPROVED! THANK FOR CHOOSING NAVY FEDERAL, EXPECT YOUR CARD IN 7-10 DAYS.****

 

Scared to check the CL...I know I know

 

Thank you everyone for advising me to pull that trigger....

 

Is PSECU or NFCU inq sensitive...seeking to either do the PSL/Visa with PSECU or either the cash rewards with NFCU? I have a quite a few from lender pulls when I was seeking a second home. I currently have the Bank of America 123 (opened this month) 5K and their Platinum Plus (opened last month) 3K=273 balance, Orchard Bank $320=0 balance, JARED (AU), Sears (AU). I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs and salary is 115K.

 

I would apply for a CHASE (thats who holds my current mortgage), Citi (paid CA is with Citifinancial from 2008), AMEX (app'd last month for the green card...denied...however that wasbefore my major cleaning on credit report).....but Terrified of denials so I rather walk in with a STRONG possibility or  DEFINITE. 

 

FAKO EX 565, EQ 550, TU 602 8/2012

FICO EQ 633 TU 637 (not reporting new credit limit on bofa) 9/2012

FAKO EX 643 (Reporting new credit limit on bofa)

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 1 of 10
9 REPLIES
Mega Contributor

Re: *UPDATE* PSECU or NFCU

CONGRATS!!!!!

are you going to pull the trigger with PSECU?



EQ FICO 548 3/3/16
Message 2 of 10
Frequent Contributor

Re: *UPDATE* PSECU or NFCU


LS2982 wrote:
CONGRATS!!!!!

are you going to pull the trigger with PSECU?

Thanks!!! With them being "conservative"I may hold out till Dec...any suggestions?

 

Fellow posters suggested AMEX Zync but I dont know bout that either....

 

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 3 of 10
Mega Contributor

Re: *UPDATE* PSECU or NFCU

PSECU isn't that conservative, I got approved for 9k with a 700 EX fico and new accounts galore.



EQ FICO 548 3/3/16
Message 4 of 10
Moderator Emeritus

Re: *UPDATE* PSECU or NFCU

Congrats!

Please check your limit!

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 5 of 10
Frequent Contributor

Re: *UPDATE* PSECU or NFCU


LS2982 wrote:
PSECU isn't that conservative, I got approved for 9k with a 700 EX fico and new accounts galore.

700 is more than what I have...FAKO is 633 and I dont have the EX fico yet for PSECU due to me just joining towards the end of last month. When it becomes available via website I might pull the trigger. As you stated the visa I might get but not the PSL combo and thats the only product I would app for.

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 6 of 10
Frequent Contributor

Re: *UPDATE* PSECU or NFCU


webhopper wrote:
Congrats!

Please check your limit!

Web where do I go to check the CL?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 7 of 10
Contributor

Re: *UPDATE* PSECU or NFCU

The account will show up in your online account access in a day or two, or you could just call and speak to one of the friendly CSR's who will be able to tell you your CL.

Message 8 of 10
Frequent Contributor

Re: *UPDATE* PSECU or NFCU

Thank you web

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 9 of 10
Highlighted
Frequent Contributor

Re: *UPDATE* PSECU or NFCU

Ok I'll call in the am @Karunch

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 10 of 10