topic Re: NFCU! in Credit Card Approvals

NFCU!

Anonymous — Wed, 30 Dec 2015 23:47:45 GMT

I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

Instant approval for $25k @10.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

*Edit* I went with the GO REWARDS for the 3-2-1 Rewards and 12 mnth 0% balance transfer with no fee.

Re: NFCU!

Anonymous — Wed, 30 Dec 2015 23:26:23 GMT

@Anonymous wrote:
I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

@Instant approval for $25k @Anonymous.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

Congrats. Great limit and rate. Make sure you apply for the PLOC as well. Ask for $15K

Re: NFCU!

Creditaddict — Wed, 30 Dec 2015 23:28:52 GMT

@Anonymous wrote:
I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

@Instant approval for $25k @Anonymous.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

$25k is most computer can decide but based on that approval I would send a secure message with 2 recent paystubs and ask for the full $50k and let them counter.

Re: NFCU!

Anonymous — Wed, 30 Dec 2015 23:29:46 GMT

@Anonymous wrote:
@Anonymous wrote:
I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

@Instant approval for $25k @Anonymous.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

Congrats. Great limit and rate. Make sure you apply for the PLOC as well. Ask for $15K

Thank you. I was contemplating applying for that, what are the benefits of the PLOC, and do you know id it will be another HP?

Re: NFCU!

Creditaddict — Wed, 30 Dec 2015 23:30:58 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

@Instant approval for $25k @Anonymous.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

Congrats. Great limit and rate. Make sure you apply for the PLOC as well. Ask for $15K
Thank you. I was contemplating applying for that, what are the benefits of the PLOC, and do you know id it will be another HP?

Navy loves to give that out with a credit card.

Yes it will be another HP

Re: NFCU!

Anonymous — Wed, 30 Dec 2015 23:34:57 GMT

@Creditaddict wrote:
@Anonymous wrote:
I signed up for NFCU about a year ago when I was presented the opportunity. I never thought anything of the account until I found this forum a few months ago. After reading about the approvals and limits I finally decided to apply today (via the app) and BOOM!

@Instant approval for $25k @Anonymous.99. I shorted my income just to be on the safe side and after seeing the approval I instantly felt like I might've left "money on the table".

Either way, this is my highest initial SL since starting on my credit rebuilding journey 1.5 years ago. HNY!

$25k is most computer can decide but based on that approval I would send a secure message with 2 recent paystubs and ask for the full $50k and let them counter.

Thanks for the tip, I'll try it. How would you suggest I word that. (I've have no exp in asking for a CLI other than a LUV button).

Re: NFCU!

Creditaddict — Wed, 30 Dec 2015 23:38:06 GMT

Just say you were hoping for a higher cl and could you reconsider for $50k and attached are 2 recent pay stubs

Re: NFCU!

Anonymous — Wed, 30 Dec 2015 23:46:02 GMT

@Creditaddict wrote:
Just say you were hoping for a higher cl and could you reconsider for $50k and attached are 2 recent pay stubs

Got it. I'll let you know how it goes...

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 02:35:57 GMT

congrats

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 04:40:01 GMT

Congratulations on the humongous starting credit limit!! Lt u know the outcome if you decide to request the full 50k limit.

Re: NFCU!

alextercero — Thu, 31 Dec 2015 04:44:08 GMT

Congrats

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 04:48:22 GMT

Wow...that's awesome. Congrats! I can't get into NFCU but I did join USAA, Penfed and NASA. I hear great things about all of them.

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 05:54:23 GMT

@creditaddict Thanks again for the tip. It worked as you suggested.

Navy Federal Response 12/31/2015 : Thank you for your message. Because we take our members' concerns seriously, we conducted a second review of your application. We are pleased to inform you that your recent credit card application has been approved. Your new Visa Signature GOREWARDS card has been issued to your address of record and should be received within approximately seven to ten business days. Your new credit limit is $50,000. If we can be of any further assistance, please let us know.

Re: NFCU!

Creditaddict — Thu, 31 Dec 2015 05:53:36 GMT

LOL Nice!!

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 06:30:48 GMT

kaBOOM! Nicely done!

Re: NFCU!

NYFan63 — Thu, 31 Dec 2015 14:41:06 GMT

Congrats lwalker - that's an awesome SL! do you mind sharing your income and credit score!

Re: NFCU!

OmarGB9 — Thu, 31 Dec 2015 15:19:05 GMT

Grats

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 16:41:01 GMT

Nice! Great CU! Congrats

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 19:33:58 GMT

Congrats, also thank you to Credit Addict for helping another member maximize their CL. CA is the master!!

Re: NFCU!

Anonymous — Thu, 31 Dec 2015 20:24:00 GMT

Thank you all. I can't thank CA enough for the guidance.