Established Member
pbl1999
Posts: 12
Registered: ‎06-03-2012
I took the plunge...NFCU

‎12-27-2012 01:49 PM

So I've been reading all the wonderful stories about NFCU and decided to join on yesterday. Well I received a call today from a CSR regarding the online site. After he finished telling me about the great benefits of NFCU he says, Mr. ... You are eligible for our Flagship card, little did he know I was planning on applying on Jan 2nd (paid off cc's to get utl down, waiting for update CR). After providing my info, he said it would be 3-5 business days before a decision. Wow. He said, they are behind with reviewing applications.  I'm a little nervous right now. 

Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.
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Valued Contributor
Rhaeny
Posts: 1,175
Registered: ‎07-24-2011
Re: I took the plunge...NFCU
[ Edited ]

‎12-27-2012 02:26 PM - edited ‎12-27-2012 04:04 PM

Did he give you an access number for your account?  If so you can always check here to find out the status:  NFCU CC/Loan status

 

EDIT: Also wanted to add that I joined and app'd last Friday and I didn't get the email notice until Xmas day.  So yea I would say that the Xmas rush is definitely on and I'm sure between the rush and vacations they are a little behind.


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
Current Scores: EX 719 (Lender pull), TU 670 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 6/7/2013
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Established Contributor
HoldingOntoHope
Posts: 736
Registered: ‎09-29-2009
Re: I took the plunge...NFCU

‎12-27-2012 03:41 PM

I have had NFCU online site give me the 3-5 day message and was able to view an approved status within 24 hours. It may be because of the holidays they are really behind but it is not their norm.

Best financial advice I ever got: "Just imagine what an adult would do and do that."
Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

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New Contributor
orl22
Posts: 56
Registered: ‎03-20-2012
Re: I took the plunge...NFCU

‎12-27-2012 04:00 PM

I just receive my card today. Nreward at $14k CL. Lucky for me it was an instant approval. I didn't have to go thru he torture of waiting. 

(917 Views)
 
Frequent Contributor
wallyworld123
Posts: 431
Registered: ‎01-04-2012
Re: I took the plunge...NFCU

‎12-27-2012 05:32 PM

Hello and welcome yes im sure u will be fine congrats on being part of the nfcu family.keep us updated!

(854 Views)
 
Established Contributor
j_casteel
Posts: 1,024
Registered: ‎06-21-2012
Re: I took the plunge...NFCU

‎12-27-2012 05:36 PM

i also got the 3-5 day wait for my siggy card. I was approved the next day.

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1.35k | NFCU Visa Sig $10k | NavChek $15k | NFCU Flagship Visa $5k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
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Miked0938
New Member
Miked0938
Posts: 4
Registered: ‎12-27-2012
Re: I took the plunge...NFCU

‎12-27-2012 05:43 PM

What's the best NFCU card to get?  I've got a 678 Fico...  Looking to get a good card with a decent limit

In My Wallet... , Amex Premier Rewards Gold Card $NPSL, Discover Card $6000, Capital One $800, Capital One Visa $750, Orchard Bank MC $500, Lowe's Card $500, Macy's Card $300, Chevron $500

Starting Score: 538
Current Score: 678
Goal Score: 750
Take the myFICO Fitness Challenge
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Established Contributor
j_casteel
Posts: 1,024
Registered: ‎06-21-2012
Re: I took the plunge...NFCU

‎12-27-2012 05:54 PM

Miked0938 wrote:

What's the best NFCU card to get?  I've got a 678 Fico...  Looking to get a good card with a decent limit

I don't think any are bad....just need to check out the differences and see which one fits your spending and personal preferences.

 

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1.35k | NFCU Visa Sig $10k | NavChek $15k | NFCU Flagship Visa $5k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
(819 Views)
 
Established Contributor
dodgeball
Posts: 754
Registered: ‎10-16-2007
Re: I took the plunge...NFCU

‎12-27-2012 07:32 PM

Just call and tell them you would like to have your application reviewed now, they will comply with your request.

NFCU Cash Rewards Siggy $17.5K, NFCU Flagship Rewards Siggy $17.5K, NFCU Platinum MC $10K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
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Established Member
pbl1999
Posts: 12
Registered: ‎06-03-2012
Re: I took the plunge...NFCU

‎12-28-2012 10:25 PM

Update: I was approved with a 5k CL. Decided to call to see why I received the minimum CL and request an additional 5k, I should have an answer by next week. 

Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.
(675 Views)