Reply
Valued Contributor
newmomnewme
Posts: 1,305
Registered: ‎09-30-2013
0

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


tanichola wrote:

I just received notification of my approval status for CC. I had applied for both the cash rewards visa and another (I can't remember which one). I was approved for both of them with a CL of $1500 each one. I am happy that I've been approved but am thinking that I will ask them for recon on limits per secured messaging. My income is definitly there to support a much larger limit. 

 

Do any of you know if they do another hard pull when you ask for a recon for limit?


I am pretty sure that they will.....at least one.



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 600 TU: 644 EX: ??
Goal Score: ALL 720+

In the Garden Until August 2015 Last App Sept 2014
border="0"Take the myFICO Fitness Challenge
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

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

[ Edited ]
Community Leader
Valued Contributor
starry1
Posts: 2,325
Registered: ‎11-29-2012
0

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

NFCU takes FOREVER to send your card!  They send all kinds of mail first about the card, but its never the dang card.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/22/14 TU 659; EQ 649; EX 658
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Member
tanichola
Posts: 13
Registered: ‎11-04-2013
0

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

Ok. So I decided to request increases in limits on the two new cards that were approved this morning. (nRewards and cashRewards). I sent messages to NFCU via secured messaging explaining my scores, my annual income (which supports a much higher limit) and my rationale for requests. I kind of made it a letter of explanation for my lower scores and also asked them not to pull any hard hits on my score, especially since they had hit me twice in last few days. Stated that I was in process of improving score and these pulls have a negative impact. Hoping they will take this into consideration. 

 

I will repost once they have replied with a denial or approval of my request. If they approve and do not pull again, it might be worthy of others to send them a message like I did explaining the impact of these pulls and also offer explanations of low scores, if any.

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

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

I received my cards in the mail promptly. They DID reconsider for increasing the limit but refused to do so. Regardless, they did approve the two. I have since applied for a 3 rd one. Will let you know if I get that, as my score has improved since then.

Valued Contributor
Scupra
Posts: 1,696
Registered: ‎07-12-2012
0

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


tanichola wrote:

I received my cards in the mail promptly. They DID reconsider for increasing the limit but refused to do so. Regardless, they did approve the two. I have since applied for a 3 rd one. Will let you know if I get that, as my score has improved since then.


Good luck on the 3rd app! Just sit tight with the cards, use them right and you will have some higher limit cards in no time!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
687 EQ FICO 12/2014
680 TU FICO 12/2014
673 EX FICO 12/2014
$14k NFCU Platinum - $25k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival WEMC - $5k Cap1 Quicksilver - $2.2k Amazon Store - $10k Cap1 VentureOne

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}