New Contributor
Posts: 73
Registered: ‎01-18-2013
NFCU CC Chances
[ Edited ]

I have just signed up for a membership/account with NFCU and I have two questions. First, how long should I wait to apply for a CC; and second, what are my chances on getting approved for a nRewards CC? My current scores are in my sig below and my income is 66k.

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
Re: NFCU CC Chances
I cant see scores but if theres no baddies on your report id say you 7k+ and you can apply whenever you want. I applied right away
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
New Contributor
Posts: 73
Registered: ‎01-18-2013
Re: NFCU CC Chances

Thanks jsickz32,

 

My scores are EQ 514, EX 525, TU 585 and unfortunately I do have some baddies as I am just at the beginning of my journey. I'm sure I won't get the 7k but I have been in the constant denial mode. Do you think I will get approved with that information?

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
Re: NFCU CC Chances
My dad was approved for 2k cashRewards, 2k platinum and 5k navcheck with scores little higher than you but still in 500s. He had a bk7 from 09 and multiple COs. So yeah lol he also got his truck refinanced with them and went from 24% to 6%.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,892
Registered: ‎07-12-2012
Re: NFCU CC Chances

If you do try please keep us updated. There has been multiple stories on here of approvals with scores in the 500's. Don't go into it expecting much and see what happens. They have a great secured card if all else fails, and the possibility of it graduating is there. Good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
698 EQ FICO 02/2015
710 TU FICO 02/2015
678 EX FICO 02/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $6k Barclay Arrival WEMC | $5k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Community Leader
Valued Contributor
Posts: 2,392
Registered: ‎11-29-2012
Re: NFCU CC Chances
I'm also going to be app'ing with NFCU soon, and I'm being cautious and have a grand ready to plunk down on a secured card in case they don't want to trust me yet.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Contributor
Posts: 665
Registered: ‎08-02-2011
Re: NFCU CC Chances

My wife has scores similar to yours, and they approved her for a nRewards card with a $1K limit...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
Posts: 1,892
Registered: ‎07-12-2012
Re: NFCU CC Chances
Starting to wish I would have apped for an unsecured card rather than just applying solely for the secured version. I thought I had no chance. Cross my fingers and hope they insecure at 1yr!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
698 EQ FICO 02/2015
710 TU FICO 02/2015
678 EX FICO 02/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $6k Barclay Arrival WEMC | $5k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Community Leader
Valued Contributor
Posts: 2,392
Registered: ‎11-29-2012
Re: NFCU CC Chances

I know scupra, that's why I'm hopeful. I've seen on other sites of a handful of people within weeks of bk and eq scores lower than mine getting $1-3k right away, but like I said, I'm prepared if they won't approve me quite yet.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
New Contributor
Posts: 73
Registered: ‎01-18-2013
Re: NFCU CC Chances

Thanks everyone for the info! I'm gonna do it but I'm going to wait at least 24 hours from opening up the account so I'll apply tomorrow and let you all know! I'll be keeping my fingers crossed for a while!

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.