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Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Nfcu credit card or secured cc?

Hello all! I just join nfcu and with a eq credit score of 584 Ex of 620, not sure of TU.  I was wondering if anyone had any luck getting approve for their cc with that score? Or should I just try for the secured cc. Thank you! 

Established Member
lemers718
Posts: 22
Registered: ‎11-21-2008
0

Re: Nfcu credit card or secured cc?

I just got approved today for 5K @ 11% . Eq-595 TU 626

Frequent Contributor
NewbieReed
Posts: 434
Registered: ‎12-05-2012
0

Re: Nfcu credit card or secured cc?


lemers718 wrote:

I just got approved today for 5K @ 11% . Eq-595 TU 626


Nice approval! 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Frequent Contributor
NewbieReed
Posts: 434
Registered: ‎12-05-2012
0

Re: Nfcu credit card or secured cc?


Rein wrote:

Hello all! I just join nfcu and with a eq credit score of 584 Ex of 620, not sure of TU.  I was wondering if anyone had any luck getting approve for their cc with that score? Or should I just try for the secured cc. Thank you! 


U could certainly be approved for an unsecured. I received a $6K CC from NFCU in 12/11 with scores lower than urs. I was a member for 3-4 years before that though, but never used any of their products.

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Established Member
lemers718
Posts: 22
Registered: ‎11-21-2008
0

Re: Nfcu credit card or secured cc?

I know-Shocked me. I have heard great things about them I now am a true believer.

Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Re: Nfcu credit card or secured cc?

Wow! I am super excited! Thx you guys! 

Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Nfcu credit card or secured cc?

I started out with a secured $500 card, then on a whim, pulled the trigger on the unsecured a couple of months later (Dec 6, 2012) on the unsecured card and woke up the next morning with my approval for cash rewards with a $3k limit. They pulled a 595 EQ at the time of the application.

 

I did do something different however. After I applied for it I sent them a message concerning the unsecured application:

 

"Please consider this application. I have been working very hard at cleaning my credit up and have managed to gain almost 100 points from September to November. This would greatly aid me and families ability to purchase a house in a few years and we plan to use NFCU for our lender. If the initial limit is small, that would be ok as I am trying to establish a positive payment history before our mortgage in 2015. Thanks xxxx"

 

I'd like to think that it helped. I did after all, get the card.

 

:smileyhappy:

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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