topic Re: NFCU Platinum approval in Credit Card Approvals

NFCU Platinum approval

Anonymous — Fri, 14 Sep 2018 05:00:54 GMT

I've been waiting for all of my baddies to fall off. About 3 weeks ago thanks to forum members I checked my Fico 8 and it was a 720. I would've thought low to mid 600's. So I prequal and app'd for Discover and Amex. Got the Discover with 10k SL and the PRG. It's been 3 weeks and wasn't really planning on app'ing for anything else until March of next year. I would go and check the prequal sites once a week just to see once my scores changed if anything changed on prequals.

Last week I joined USAA and NFCU. I am holding off a bit for PenFed since they hard pull for membership. But even though the prequal sites haven't been too kind I app'd tonight for some reason to NFCU and figured I'd try for the platinum.

Approved 10K@7.74%. So now I am done for sure until March when my first cc hits year 1. But now that I will have 3 revolvers and a charge in addition to a car loan, I should be able to start picking up my scores with gardening. I 708-718 on CCT tonight between all 3 bureaus. So something said go for it in my head.

I know it's not their best card but now I'm in and can prove myself for better cards with them and hopefully be able with 2/3 cards at 10k will open doors all around.

Re: NFCU Platinum approval

MrDFinance — Fri, 14 Sep 2018 05:10:54 GMT

Congrats on the approval

Re: NFCU Platinum approval

Anonymous — Fri, 14 Sep 2018 11:28:11 GMT

Congratulations on the nice approvals and massive SL!!!!

Re: NFCU Platinum approval

Anonymous — Fri, 14 Sep 2018 14:36:18 GMT

Congrats on your approvals! Nice SL's as well

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Re: NFCU Platinum approval

19eighty5 — Fri, 14 Sep 2018 16:07:30 GMT

Congratulations on your approval!

Re: NFCU Platinum approval

Anonymous — Fri, 14 Sep 2018 19:16:41 GMT

Nicely done! And thank you for sharing specific DPs.

Re: NFCU Platinum approval

Anonymous — Sat, 15 Sep 2018 02:55:50 GMT

Congrats on your NFCU Platinum approval! Solid SL and APR!

Re: NFCU Platinum approval

Anonymous — Sat, 15 Sep 2018 05:46:57 GMT

Low APR, nice SL, no fees.....what's not to like about that? Congrats!

Re: NFCU Platinum approval

UncleB — Mon, 17 Sep 2018 05:20:25 GMT

@Anonymous wrote:
I've been waiting for all of my baddies to fall off. About 3 weeks ago thanks to forum members I checked my Fico 8 and it was a 720. I would've thought low to mid 600's. So I prequal and app'd for Discover and Amex. Got the Discover with 10k SL and the PRG. It's been 3 weeks and wasn't really planning on app'ing for anything else until March of next year. I would go and check the prequal sites once a week just to see once my scores changed if anything changed on prequals.

Last week I joined USAA and NFCU. I am holding off a bit for PenFed since they hard pull for membership. But even though the prequal sites haven't been too kind I app'd tonight for some reason to NFCU and figured I'd try for the platinum.

Approved 10K@7.74%. So now I am done for sure until March when my first cc hits year 1. But now that I will have 3 revolvers and a charge in addition to a car loan, I should be able to start picking up my scores with gardening. I 708-718 on CCT tonight between all 3 bureaus. So something said go for it in my head.

I know it's not their best card but now I'm in and can prove myself for better cards with them and hopefully be able with 2/3 cards at 10k will open doors all around.

Congrats on the approval!

Also, if you think you might need to carry a balance the Platinum absolutely is NFCU's best card!

(So many people think the Platinum is a 'starter' card because they conflate it with the Capital One product of the same name, but that's comparing apples and oranges - NFCU is not Capital One.)

Re: NFCU Platinum approval

AverageJoesCredit — Mon, 17 Sep 2018 12:21:28 GMT

Great card. Limit and apr are fantastic. Like UncleB says it is a great pick up especially for balances. Imagine getting the 0/0 offer in feb and using this card.priceless

Re: NFCU Platinum approval

xaximus — Mon, 17 Sep 2018 12:24:42 GMT

Congrats on your approval!