topic Re: NFCU GoRewards in Credit Card Approvals

NFCU GoRewards

Anonymous — Fri, 16 Jan 2015 22:10:16 GMT

HI Guys,

I just got an email that has made my day. Applied for a NFCU card when i first opened my acct back in June 2014. I was denied and with good reason. I then applied for a USAA secured card $1000 and have religiously paid more than the balance due as soon as the statement cuts. Recently got approved for Cap One QS1. I really want my cards to grow together and thought let me try NFCU again. 2 hrs ago i applied and recieved the 2-3 day response. I didnot get discourage bcus I felt I have come along way and learned so much. Just got a email update saying

Congratulations! Based on your creditworthiness, you have been approved for a goRewards Visa credit card. Your new credit line will be $6,000.00. Your APR will be prime plus 14.74%. You should receive your new card(s) in 7-10 normal mail delivery days.

I am going to cherish this new credit line and be good to it. I currently have a checking and savings with them. But USAA is my primary bank. Should I apply for a LOC as well? will they use they same inquiry. I plan on gardening until June (when I will be applying for a new car loan)

Also should I apply for unsecured USAA card and close the secured version as they certainly do not graduate or should I let this stay for at least a year?

If only i can get this paid Verizozn CO off my report maybe I can attain my dream of homeownership my 12/2015. Feeling so grateful

Re: NFCU GoRewards

uswala — Fri, 16 Jan 2015 22:08:29 GMT

Congrats on the approval!

Re: NFCU GoRewards

coldnmn — Fri, 16 Jan 2015 22:09:28 GMT

Congrats! Thanks for sharing.

Re: NFCU GoRewards

Anonymous — Fri, 16 Jan 2015 22:10:31 GMT

Congratulations. BFCU is a fantastic CU. Treat it well and your limits and cards will grow rapidly.

Re: NFCU GoRewards

gdale6 — Fri, 16 Jan 2015 22:43:23 GMT

@Anonymous wrote:
HI Guys,

I just got an email that has made my day. Applied for a NFCU card when i first opened my acct back in June 2014. I was denied and with good reason. I then applied for a USAA secured card $1000 and have religiously paid more than the balance due as soon as the statement cuts. Recently got approved for Cap One QS1. I really want my cards to grow together and thought let me try NFCU again. 2 hrs ago i applied and recieved the 2-3 day response. I didnot get discourage bcus I felt I have come along way and learned so much. Just got a email update saying

Congratulations! Based on your creditworthiness, you have been approved for a goRewards Visa credit card. Your new credit line will be $6,000.00. Your APR will be prime plus 14.74%. You should receive your new card(s) in 7-10 normal mail delivery days.

I am going to cherish this new credit line and be good to it. I currently have a checking and savings with them. But USAA is my primary bank. Should I apply for a LOC as well? will they use they same inquiry. I plan on gardening until June (when I will be applying for a new car loan)

Also should I apply for unsecured USAA card and close the secured version as they certainly do not graduate or should I let this stay for at least a year?

If only i can get this paid Verizozn CO off my report maybe I can attain my dream of homeownership my 12/2015. Feeling so grateful

Grats on your new Navy CC

Re: NFCU GoRewards

baller4life — Fri, 16 Jan 2015 22:46:53 GMT

Congrats and yes app LOC. It will be another hp.

Re: NFCU GoRewards

alvon123 — Fri, 16 Jan 2015 23:09:46 GMT

congrats

Re: NFCU GoRewards

Anomalous — Fri, 16 Jan 2015 23:11:58 GMT

Congratulations!

Re: NFCU GoRewards

msbia — Fri, 16 Jan 2015 23:43:12 GMT

IslandSoul wrote

Also should I apply for unsecured USAA card and close the secured version as they certainly do not graduate or should I let this stay for at least a year?

If only i can get this paid Verizozn CO off my report maybe I can attain my dream of homeownership my 12/2015. Feeling so grateful

Hi! Congrats on your new card with a great limit! With regards to the USAA secured card, you cannot close it for 2 years because it is attached to a CD. However, if your scores are above 660 with few baddies you can apply for unsecured with them, which is what I did BEFORE getting in with Navy. USAA approved me for $7k and my secured card was only $500. Good luck with everything!

Re: NFCU GoRewards

Creditaddict — Fri, 16 Jan 2015 23:44:29 GMT

I would say yes apply for unsecured USAA.

I would consider applying for checking line of credit with navy for $15k too.

Re: NFCU GoRewards

CreditHealthy — Sat, 17 Jan 2015 03:15:53 GMT

Congrats

Re: NFCU GoRewards

Anonymous — Sat, 17 Jan 2015 03:31:10 GMT

Congrats!

Re: NFCU GoRewards

Anonymous — Sat, 17 Jan 2015 03:56:15 GMT

Congratulations!

Re: NFCU GoRewards

MyDataMyChoice — Sat, 17 Jan 2015 04:01:13 GMT

Congrats

Re: NFCU GoRewards

JamesB95 — Sat, 17 Jan 2015 04:10:25 GMT

Congrats!

Re: NFCU GoRewards

Anonymous — Sat, 17 Jan 2015 07:36:25 GMT

I dont know myactual fico score so I'm scared to waste the inq for the USAA as i've read that they are a bit strict. I have been a USAA member since 2004 Ideally I would like to apply now to let my new cards age together and start 2015 fresh.

I also plan on doing a balance transfer from my USAA secured to the NFCU CC because they currently have a 2.99 balance transfer APR was also wondering If I should wait until I am able to do that balance transfer to appear in better standing with USAA and my balance will reflect 0 to give me a better chance of approval. Also if I wait my NFCU wil be reporting on my report. I'm unsure if that will help or hurt me.

Please help

Re: NFCU GoRewards

Anonymous — Mon, 19 Jan 2015 17:41:44 GMT

Re: NFCU GoRewards

Anonymous — Mon, 19 Jan 2015 17:43:50 GMT

I applied for the USAA unsecured and got denied. 😔 and the worst part is what read here is they don't do recons. The counter offered the secured version.

Wasted inquiry. I'm in the garden until May