topic Re: NFCU ... 25k ...Oh em Gee in Credit Card Approvals

NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 18 Jul 2014 01:56:36 GMT

Just want to take a moment to quickly thank every one in the furoms for your personal post and tutorials, Both of which i learned a great deal from. I started with 590 fico dude to medicals, my mom loosing a mortgage 7 years ago on my name, and a whole bunch of other stuff. I religiously lurk on this forum. Cleaned up reports and disputed every thing. Monday my ficos jumped to eq 701 and trans 702. A sister inlaw of mine let me join NFCU using her access last thursday. They emailed me on monday asking for ID, then on weds asking for copy of social. Both of which i quickly took out my wallet and replied with pictures snapped on my phone. Well I just woke up to the account approval email. I created online access, logged into account to see a cashrewards pre-approval , filled it out and...........BONG BONG! 25K!! BABY!. Previous highest limit was 1.3k on Barlclay rewards I have had for 2 months.

I also have a question. Can I apply for any of their other credit cards off the same pull?

EDIT: NFCU pulled TU to activate membership, TU for VIsa card, TU + EQ for Auto refinance...(ouch ) Had 0 inq on trans and 5 on EQ prior.

Re: NFCU ... 25k ...Oh em Gee

coldnmn — Fri, 11 Jul 2014 15:17:49 GMT

Congrats! Welcome to the forum and thanks for sharing.

Re: NFCU ... 25k ...Oh em Gee

baller4life — Fri, 11 Jul 2014 15:30:48 GMT

Congrats!!! And with Navy Fed every app is usually a hp!

Re: NFCU ... 25k ...Oh em Gee

Jarnog — Fri, 11 Jul 2014 15:32:02 GMT

Great work and grats!!!

Love NFCU!

I could be wrong and CA will most likely chime in, but NFCU doesn't usually like to give 2 cards. Although you can apply and if denied there could be the possiblity of asking (Via secured message) that they open the denied card with some of the limit from your approved one. Again I could be wrong.

Also, before CA chimes in, you may want to look at the NavChek (the checking line of credit), and ask for the full 25k which you will probably get with your scores

OH, and check out this link for everything NFCU related - http://ficoforums.myfico.com/t5/Credit-Cards/Can-we-have-quot-OFFICIAL-NFCU-CLI-HOW-IT-WORKS

Hope that link works

Re: NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 11 Jul 2014 15:38:35 GMT

awesome! Thanks. I will stick to the single card and apply for cloc i guess.

Re: NFCU ... 25k ...Oh em Gee

alvon123 — Fri, 11 Jul 2014 15:47:29 GMT

congrats!!!!!!!!

Re: NFCU ... 25k ...Oh em Gee

pizza1 — Fri, 11 Jul 2014 15:55:14 GMT

That is correct, navy doesn't like to give 2 cards, but you can send them a secure message asking to take however much from your current card and open up another one. Eventually later the road, both of cards will be high limits. That's what I'm waiting to do.... My nrewards is at $10k waiting for another cli, and once that happens, I'm gonna ask to transfer over whatever extra they give me to a cash rewards

Re: NFCU ... 25k ...Oh em Gee

Creditaddict — Fri, 11 Jul 2014 16:09:56 GMT

I would apply for the Checking Line of Credit and ask for the full $15k.

Re: NFCU ... 25k ...Oh em Gee

BigBS — Fri, 11 Jul 2014 16:14:48 GMT

Congrats!

Re: NFCU ... 25k ...Oh em Gee

pizza1 — Fri, 11 Jul 2014 16:15:29 GMT

+1 from CA.... Navy DOES counter! So go I ask apply for the checking line of credit, ask for the full $15 k, they will give you a counter offer if they can't do the full $15k.... Do it and report back, lol. They also pull HP each time 9/10 times, because each department is separate... CC, loans, loc, etc....

Re: NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 11 Jul 2014 16:21:12 GMT

It is showing a pre-approval to refinance my auto. I might do it seeing as how my auto is currently 19% i know...as a field petroluem engineer, work forced me to buy an suv/truck right out of college before I started the credit rebuild process. (only 1 10k loan with 8.5 left). If I apply for CLOC, would that potentially affect the refi? Seeing as how they would be extending so much credit in such a short amount of time.

Re: NFCU ... 25k ...Oh em Gee

Creditaddict — Fri, 11 Jul 2014 16:24:47 GMT

IMF do auto now!!!
Once those documents are signed then do credit line... But click that pre approval now, bet you go to 2%! Shorten up your loan term while your at it!

Re: NFCU ... 25k ...Oh em Gee

Creditaddict — Fri, 11 Jul 2014 16:24:59 GMT

OMG that was!

Re: NFCU ... 25k ...Oh em Gee

dodgerslv — Fri, 11 Jul 2014 16:25:40 GMT

Woohoo!!!!...congrats on the nice limit!

Re: NFCU ... 25k ...Oh em Gee

s_haliz — Fri, 11 Jul 2014 16:27:19 GMT

Congratulations!!!

Re: NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 11 Jul 2014 16:33:21 GMT

CreditAddict, Will do. I will do that asap.

Re: NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 11 Jul 2014 16:36:14 GMT

crap. Logged back in and the pre-approval link dissapeared. ....

Re: NFCU ... 25k ...Oh em Gee

Jarnog — Fri, 11 Jul 2014 16:57:49 GMT

You could probably call or just do it anyway.

And yes it's 15k for the LOC, I stated 25k earlier (my mistake).

Gotta go with CA's advice, he is the NFCU GURU

Re: NFCU ... 25k ...Oh em Gee

Creditaddict — Fri, 11 Jul 2014 17:09:54 GMT

@Anonymous wrote:
crap. Logged back in and the pre-approval link dissapeared. ....

it's okay, just go in and apply for auto loan refi and get your payoff on current car

Re: NFCU ... 25k ...Oh em Gee

Anonymous — Fri, 11 Jul 2014 17:15:51 GMT

@Creditaddict wrote:
@Anonymous wrote:
crap. Logged back in and the pre-approval link dissapeared. ....
it's okay, just go in and apply for auto loan refi and get your payoff on current car

Thanks every one! Thanks CA.