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YES! NFCU Approved!

Established Contributor

YES! NFCU Approved!

I have to admit I was slightly tipsy last night when I decided to app!  I was originally planning on waiting until a number of inquiries dropped off this summer.  My Fico is in the low 600s currently and shortly after apping I was already regretting it....but!


This morning I checked the application status and it is APPROVED.  Smiley Very Happy


I know most people have said that it will show up in the accounts listing pretty quick - how long does that usually take?  I don't even mind if I get a super low-limit...I'm glad to have my foot in the door.  It was for the CashRewards Visa, by the way.  I've been using them as my primary checking with DD for about 6 months.

Message 1 of 16
Established Contributor

Re: YES! NFCU Approved!

took 3 days for me.

Message 2 of 16
Established Contributor

Re: YES! NFCU Approved!

Thanks!  Congrats on your approval as well.  Smiley Happy  Does it show APR and all that good stuff when it comes up, or do you need to wait for the mailing to see that?

Message 3 of 16
New Contributor

Re: YES! NFCU Approved!

Congrats!!!Smiley Happy

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!

Message 4 of 16
Established Contributor

Re: YES! NFCU Approved!

yep it shows you everything . link to the card will show up right below your checking and savings accounts and when i click it .. i see this


Credit Limit:$20,000.00
Available Credit:$20,000.00
Total Outstanding Authorizations:$0.00
Minimum Payment Due:$0.00
Next Due Date:N/A
Last Statement Balance:$0.00
Last Statement Date:N/A
Last Payment Amount:$0.00
Last Payment Date:N/A
YTD Interest Paid:$0.00
Annual Percentage Rate:14.65%
Rewards Available:$0.00
Message 5 of 16
Established Contributor

Re: YES! NFCU Approved!

Woolfman - thanks!  Very cool - I'm anxious to see what limit they gave me.  Smiley Happy  This might be the first "real" card I've had in quite a while!  

Message 6 of 16
Valued Member

Re: YES! NFCU Approved!



I love my NFCU card!


My limit is pretty low but im hoping they will grow with me.

EQSmiley Frustratedtart: 656 (09-22-10)
Current: 705

TU:Current: 715
Target: 760
Message 7 of 16
Valued Member

Re: YES! NFCU Approved!

I just applied and was approved for $5,000 @ prime + 13.24%. Whoop Whoop. I have a 614 credit score. I was approved online instantly, I have had a checking account with them since I was 8 (25 now), so I guess they got my info since I logged in from my checking account.
As of 2/13/2012: Experian - 633; Equifax - 616; Transunion - 644 FAKOs
First Premier Gold - $350; First Premier Platinum - $400
Orchad Bank - $200 (Secured)
Crap One - $500
Navy FCU - $5,000
Wells Fargo Mortgage (w. Wife $150,000 bal) & Auto ($12,000 bal)

Credit Keeper FAKOs
Experian - 633
Equifax - 616
Transunion - 644

Using 81% of my limits (Thanks NavyFCU!)
Message 8 of 16
Established Contributor

Re: YES! NFCU Approved!

I wouldn't say I was approved instantly but I only applied late last night and I checked early this morning (7AM CST) and it was already in approved status.  I put a note in with the application saying that I have been working on repairing my credit and would be willing to accept a low-limit if it allowed me the oppurtunity to build a relationship with NFCU.  I haven't had any late/derog in about 5 years so hopefully that helps.  

Message 9 of 16
Established Contributor

Re: YES! NFCU Approved!

Just called in and here's what I got!!!


$5,000 Credit Limit


13.4% APR


Can't wait to get the card.  Smiley Surprised

Message 10 of 16