topic Re: NFCU CashRewards Approval in Credit Card Approvals

NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 15:28:54 GMT

Decided to app for the NFCU CashRewards Visa and was approved for $1000 @ 14.49%. Definitely not the SL I was hoping for but at least it was a denial!

They pulled TU.

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 15:34:45 GMT

Congrats, Trudint!

Was your FICO TU @ 675 on approval?

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 15:41:23 GMT

Thanks!

wrote:
Congrats, Trudint!
@Was your FICO TU @ 675 on approval?

Yes, FICO TU was at 675 when approved. My credit isn't the cleanest (94% on-time payments) and no missed payments for the past 2 years.

Re: NFCU CashRewards Approval

xaximus — Tue, 17 Jul 2018 15:56:53 GMT

Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 16:03:29 GMT

@xaximus wrote:
Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.

Is it best to recon NFCU using chat, secure messaging, or phone?

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 16:07:23 GMT

Congrats on approval !!!!

Re: NFCU CashRewards Approval

19eighty5 — Tue, 17 Jul 2018 18:38:26 GMT

Congratulations on your approval!

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 18:43:03 GMT

Thanks for the data points.
Congrats!

Re: NFCU CashRewards Approval

xaximus — Tue, 17 Jul 2018 18:48:28 GMT

@Anonymous wrote:
@xaximus wrote:
Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.
Is it best to recon NFCU using chat, secure messaging, or phone?

If anything, I would call them directly. Backdoor Recon List - Let them know of your concern but be nice. I wouldn't plead the case but find a medium where you dont sound desperate. One of my cards, I called and simply stated that since this is a lower CL card, I won't really be able to use it since it's a bit low. Ideally, if I can get it reviewed, I will definitely use it more and my end goal is to establish a relationship with ABC Bank. I've heard great things about ABC Bank and would love to be part of the family. Be friendly and open as that's what I've noticed works best.

Good luck on the recon!!

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 19:04:30 GMT

@xaximus wrote:
@Anonymous wrote:
@xaximus wrote:
Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.
Is it best to recon NFCU using chat, secure messaging, or phone?

If anything, I would call them directly. Backdoor Recon List - Let them know of your concern but be nice. I wouldn't plead the case but find a medium where you dont sound desperate. One of my cards, I called and simply stated that since this is a lower CL card, I won't really be able to use it since it's a bit low. Ideally, if I can get it reviewed, I will definitely use it more and my end goal is to establish a relationship with ABC Bank. I've heard great things about ABC Bank and would love to be part of the family. Be friendly and open as that's what I've noticed works best.

Good luck on the recon!!

I tried the recon but was unsuccessful. The rep simply stated that I was approved for the maximum amount lending can offer me at this time and to use the card for 6 months and then apply for a CLI.

Re: NFCU CashRewards Approval

xaximus — Tue, 17 Jul 2018 19:13:26 GMT

@Anonymous wrote:
@xaximus wrote:
@Anonymous wrote:
@xaximus wrote:
Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.
Is it best to recon NFCU using chat, secure messaging, or phone?

If anything, I would call them directly. Backdoor Recon List - Let them know of your concern but be nice. I wouldn't plead the case but find a medium where you dont sound desperate. One of my cards, I called and simply stated that since this is a lower CL card, I won't really be able to use it since it's a bit low. Ideally, if I can get it reviewed, I will definitely use it more and my end goal is to establish a relationship with ABC Bank. I've heard great things about ABC Bank and would love to be part of the family. Be friendly and open as that's what I've noticed works best.

Good luck on the recon!!
I tried the recon but was unsuccessful. The rep simply stated that I was approved for the maximum amount lending can offer me at this time and to use the card for 6 months and then apply for a CLI.

It sucks when that happens but it's a sign. They want you to use the CC, establish good - responsible history and usage and I'm sure they'll give you a good CLI bump. Good luck!

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 19:14:48 GMT

@xaximus wrote:
@Anonymous wrote:
@xaximus wrote:
@Anonymous wrote:
@xaximus wrote:
Congrats on the new approval. I would recon and see if they can do more. Sometimes it works, other times, it may not. I would also suggest using autopay as it'll help with never missing payments again.
Is it best to recon NFCU using chat, secure messaging, or phone?

If anything, I would call them directly. Backdoor Recon List - Let them know of your concern but be nice. I wouldn't plead the case but find a medium where you dont sound desperate. One of my cards, I called and simply stated that since this is a lower CL card, I won't really be able to use it since it's a bit low. Ideally, if I can get it reviewed, I will definitely use it more and my end goal is to establish a relationship with ABC Bank. I've heard great things about ABC Bank and would love to be part of the family. Be friendly and open as that's what I've noticed works best.

Good luck on the recon!!
I tried the recon but was unsuccessful. The rep simply stated that I was approved for the maximum amount lending can offer me at this time and to use the card for 6 months and then apply for a CLI.
It sucks when that happens but it's a sign. They want you to use the CC, establish good - responsible history and usage and I'm sure they'll give you a good CLI bump. Good luck!

Thanks!!

Re: NFCU CashRewards Approval

Anonymous — Tue, 17 Jul 2018 20:06:07 GMT

@Anonymous wrote:
@Decided to app for the NFCU CashRewards Visa and was approved for $1000 @ 14.49%. Definitely not the SL I was hoping for but at least it was a denial!

They pulled TU.

Congratulations!!