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re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app UPDATE

New Contributor

re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app UPDATE

Applied with NFCU for the nRewards Visa - 3 days ago - still under review.  Smiley Indifferent
Should I wait for an answer or go ahead and apply for the Mastercard?
Message Edited by BlueBayou on 10-11-2008 08:51 AM
Message 1 of 9
8 REPLIES
Valued Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app

What is your FICO EQ score?
New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 2 of 9
Established Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app

Wait for an answer and let us know. Also your scores would be helpful.
Message 3 of 9
Established Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app

Hey BlueBayou, Smiley Happy
 
I'd wait and see what happens.
 
If they turn you down, find out why so you can take
corrective action and apply again within 60-90 days. Smiley Surprised
 
If they approve you, apply for the Mastercard and
NAVChek line of credit (LOC). Many forum members
(myself included) have been approved for multiple products
once you get the first one, so don't be bashful. Smiley Happy
 
And if you wouldn't mind posting your scores, that would be
very helpful. There are lots of smart people here who are
happy to assist you. Smiley Happy
 
Good Luck to you!!!! Smiley Very Happy
 
 
CanDo
 
"The right attitude is everything"
Message 4 of 9
New Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app

Approved 10/2/2008 for $10,000.

 

Only pulled Equifax - 643.

 

I will wait two weeks for 4 gas cards to be paid in full before apping for the Mastercard.

Message 5 of 9
Established Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app

Super Congrats BlueBayou!!!

 

$10,000 right off the bat with Navy Fed is a great start!

 

You're smart to pay off the cards and wait 2 weeks, but I 

recommend that you apply for the Mastercard within 30 days

of approval of your Visa. The folks in Credit Card Services always

ask if the info on your application has changed within the last

30 days, so this is why it's important to app within that timeframe.

If there are no changes, they'll use the same info that got you approved

for the Visa.

 

Once again, Congratulations on the new $10,000 CL. Please keep us posted

on your progress with the Mastercard. Enjoy!!!!

 

CanDo

 

"The right attitude is everything"

Message 6 of 9
New Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app (Updated)

Just approved for NFCU nRewards Mastercard $10,000.   

 

I was thinking since I read several posts that they use same pull to go ahead and apply for the Mastercard as well.  I waited a few days after the Visa approval to apply. 

 

Thing is, they pulled Equifax again and I thought it would be denied.

 

I had paid three of the gas cards off, however, they won't report till after statement close of the 13th.Smiley Indifferent  One more gas card and a CapOne card to be paid off that DD maxed and run over the limit (which was posting as such) and I should hopefully see a huge jump in scores even with 2 new accounts posting.  All five cards that I paid off are from 1999.  And all five WERE in DD's possession.  They have since been repossessed!!!

 

This is really going to help my utility.Smiley Tongue

 

NFCU rocks!!!!

 

I'll post back with the score change---

 

Message 7 of 9
Established Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app (Updated)

Super Congrats Again BlueBayou!!!!

 

That makes 20 grand of new credit with Navy Fed

in the space of a week. Not bad for government work...Smiley Happy

 

Sorry for any confusion re same info/same pull.

As you now know, Navy Fed pulls EQ each time you apply for a new product.

But if you apply within 30 days of your last approval, they'll use the same

information on your application to qualify you. This way, you won't have to

resubmit paystubs, utility bills, etc. in order to get approved.

 

Since you've paid off your other cards, you should see a really nice pop in

your scores. It'll be nice to hear how that turns out...

 

Once again, Congratulations on the new Mastercard. Navy Fed really is the best!!!

 

 

CanDo

 

"The right attitude is everything"

Message 8 of 9
Highlighted
New Contributor

Re: re NFCU - Applied for nrewards Visa, still waiting, should I go ahead with MC app (Updated)

 


Sorry for any confusion re same info/same pull.

As you now know, Navy Fed pulls EQ each time you apply for a new product.

But if you apply within 30 days of your last approval, they'll use the same

information on your application to qualify you. This way, you won't have to

resubmit paystubs, utility bills, etc. in order to get approved.


I see that now!! 

 

Thank you CanDoAttitude for the explanation.

 

I love NavyFed!!!Smiley Very Happy

Message 9 of 9