topic Re: NFCU Approval in Credit Card Approvals

NFCU Approval

readytoclimb — Wed, 04 Jul 2018 02:46:18 GMT

Rebuilding my credit. Got approved for $700 with NFCU cash rewards card. Very low compared to other limits I’ve read on here, but I have to start somewhere. I’m just excited that I was approved. Was recently denied for Discover and Chase cards.

Re: NFCU Approval

19eighty5 — Wed, 04 Jul 2018 02:48:56 GMT

Congratulations!

Re: NFCU Approval

Anonymous — Wed, 04 Jul 2018 02:49:55 GMT

Confrats! NFCU is good, use it responsibly for 6-12 months and they’ve got plenty of other good cards and you’ll be fine for discover. Chase will want to see 1 yr+ of responsible revolving, unsecured bank credit, they are also inquiry sensitive.

Re: NFCU Approval

Anonymous — Wed, 04 Jul 2018 03:33:53 GMT

Welcome to NFCU family. Congrats.

Re: NFCU Approval

austingal — Wed, 04 Jul 2018 06:08:02 GMT

Congrats! NFCU is awesome. Your card will grow. August will be two years that I started with them with a $500 secured card. It unsecured at one year and they have given me auto CLIs to where my limit is now $3000.

Re: NFCU Approval

Anonymous — Wed, 04 Jul 2018 06:54:50 GMT

Congrats on your approval. Keep up the good work and it will definately grow......

Re: NFCU Approval

Anonymous — Wed, 04 Jul 2018 15:17:54 GMT

Congrats, rtc!

While you're at it did you consider asking for a CLOC? Your EQ score is much higher, it seems you'd be a good candidate. Just a thought.

Re: NFCU Approval

readytoclimb — Wed, 04 Jul 2018 17:58:31 GMT

James - do I call them to ask for the cloc or is this something I could apply for online. Will this be a second hp or do they use the scores from the cc pull?

Re: NFCU Approval

Anonymous — Wed, 04 Jul 2018 18:17:43 GMT

I've read they use TU for CC and EQ for PLOC, so it would be another HP.

I'm waiting on a score bump next week then I plan to apply for both. Not all HP are equal. To me 2 NFCU HPs seem well spent.

Re: NFCU Approval

readytoclimb — Thu, 05 Jul 2018 00:58:47 GMT

Ok thx for the info. I will update the board on whether or not it was successful.

Re: NFCU Approval

Anonymous — Thu, 05 Jul 2018 01:02:18 GMT

congrats!

Re: NFCU Approval

readytoclimb — Fri, 06 Jul 2018 20:14:01 GMT

Applied for the PLOC but was denied. They did pull EQ.

Re: NFCU Approval

Anonymous — Mon, 09 Jul 2018 23:10:14 GMT

Congrats on approval

Re: NFCU Approval

Anonymous — Mon, 09 Jul 2018 23:16:59 GMT

@readytoclimb wrote:
Applied for the PLOC but was denied. They did pull EQ.

Dang! Sorry to hear that.

Bump those scores up & go back at them in a couple of months -- there's plenty of stories here from folks who got denied the 1st time and are now sporting 20+K CC & LOC with them.

Re: NFCU Approval

Anonymous — Tue, 10 Jul 2018 01:20:24 GMT

Congratulations!!!