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Member
tanichola
Posts: 13
Registered: ‎11-04-2013
0

HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

I joined NFCU after reading this forum. I'm in the process of rebuilding my credit. I have some unpaid medical collections that I'm currently waiting to hear back from some PFD that I've sent out. Myfico score, according to this site, is mid 600's, except eqifax if 590. I've been declined in past for CC and denial letters show Equifax as 645. Not sure what my scores truly are after seeing the denial score of 645.

 

I applied for NFCU credit card. I am disappointed because I didn't get instant approval like so many on this forum say. The message said that it takes them 3-5 business days to make a decision. 

 

Have any of you experienced this? If so, were you denied or did you get approved?

Senior Contributor
baller4life
Posts: 3,493
Registered: ‎09-13-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

Got same message. Approved within a few hours.


GARDENING: 9/10/14 - 10/1/15 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS SIGGY|$10k BOA CASH REWARDS|$9k AMEX DELTA
$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS REWARDS
Senior Contributor
baller4life
Posts: 3,493
Registered: ‎09-13-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

I got approved for $3k with Equifax 598. You'll be fine.


GARDENING: 9/10/14 - 10/1/15 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS SIGGY|$10k BOA CASH REWARDS|$9k AMEX DELTA
$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS REWARDS
Member
tanichola
Posts: 13
Registered: ‎11-04-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

baller4life,

 

I hope you're right. It's the weekend. I don't know if this will approve over a weekend because I'm not sure of their approval process. How will I know if I get approved or not?

Community Leader
Valued Contributor
starry1
Posts: 2,154
Registered: ‎11-29-2012
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

I got the same message and was approved. The cc underwriters don't seem to work weekends, so hang tight until Monday.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 7/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $1.3k / nRewards $3.5k / cashRewards $5k / NavChek $2.5k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / (last app 09/29/14)
Senior Contributor
baller4life
Posts: 3,493
Registered: ‎09-13-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

You will get a text or email that the status of the app has changed


GARDENING: 9/10/14 - 10/1/15 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS SIGGY|$10k BOA CASH REWARDS|$9k AMEX DELTA
$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS REWARDS
Regular Contributor
ChistineNJ
Posts: 160
Registered: ‎04-04-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

I applied with a eq 586 i belive on a fri or sat night, i received the 3-5day msg as well, sat/sunni received a email containing a status link to click regarding the status. by monday am before 9am i received a txt that i had been approved.
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
Current Score: 630
Goal Score: 650


Take the myFICO Fitness Challenge

 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00
Member
tanichola
Posts: 13
Registered: ‎11-04-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

They pulled TU for now. I only know that because my credit monitoring sent me an alert. That was middle of today, Saturday
Frequent Contributor
anca21bi
Posts: 325
Registered: ‎07-27-2008
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

What is the least credit score that will get approval? I've been trying to join NFCU! My dad was discharged from the army, but isn't a member will this qualify me?
Member
tanichola
Posts: 13
Registered: ‎11-04-2013
0

Re: HOW LONG DOES IT TAKE TO GET APPROVED FOR NFCU CC??

anca21bi,

 

There are several ways to join NFCU. If you want to use your father's military experience, your father would have to be a member first. Then, you can join as a family member. It also depends on how long he has been out of the service. As far as least credit score, I am not sure. There are several posts on here that list their scores when they got approved, some of them as low as 580 with collections and charge offs. Search the forum and you will be able to find more info on this. I am still waiting to hear back from them. Supposedly, they don't tend to work on the weekends and I applied late Friday afternoon.


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