topic Re: NFCU Cash Rewards Approval in Credit Card Approvals

NFCU Cash Rewards Approval

OakCliffTX — Sun, 06 Jan 2019 23:54:22 GMT

I opened my checking account with them last night and immediately applied for their credit card cash rewards. I got an instant approval for$700. I paid $12 to expedite my card in 2 business days. I pushed my luck and applied for the Go rewards and got declined. I applied for the CLOC and got denied also. Didn't see another HP but the 1 from them for the original approval. I was super stoked they approved with my scores being in the upper 500's. Utilization is about 60%, I hear good things about CLI and hope to see some soon. My highest CC is only 2500. I'm thankful for Navy Fed. Just hoping they don't require POI with the CLI. I own my business 1099.

Re: NFCU Cash Rewards Approval

Anonymous — Sun, 06 Jan 2019 23:56:31 GMT

Congratulations!

Re: NFCU Cash Rewards Approval

Nova5041 — Mon, 07 Jan 2019 01:08:03 GMT

Congrats on the Approval!

Re: NFCU Cash Rewards Approval

Anonymous — Mon, 07 Jan 2019 02:24:36 GMT

Congrats on your approval !!!!

Re: NFCU Cash Rewards Approval

19eighty5 — Mon, 07 Jan 2019 05:24:42 GMT

Congratulations on your approval!

Re: NFCU Cash Rewards Approval

OakCliffTX — Mon, 07 Jan 2019 23:38:05 GMT

Thanks everyone. I happened to apply again for the CLOC and strangely it went through but it's under review. Said it will take 1 hour or less. It's been 4 and haven't heard anything yet. Sent them a secured message and hopefully get an answer by tomorrow. Crossing my fingers 🤞🤞

Re: NFCU Cash Rewards Approval

Anonymous — Tue, 08 Jan 2019 01:20:43 GMT

Congratulations on your membership and your CR approval 👏🏾

Your 2nd app for the CLOC likely went to review due to the duplicate app. If you'd like a reconsideration for the first app, I believe a secure message would have been the appropriate way to go. One of the other Navy experts here will jump in, but your second app might yield the same results.

Good Luck!!

Re: NFCU Cash Rewards Approval

Anonymous — Tue, 08 Jan 2019 01:53:49 GMT

Congrats on the approval, I know its the NFCU cliche, but getting your foot in with them and getting history established is a good ticket in for higher limits with them.

You may want to think about a 2nd card at 91 days/3 statements. I have seen(and have had myself) a lot of success at that point. More so it seems then a CLI on your original card.

As everyone says, treat them good and they will reward you.

Re: NFCU Cash Rewards Approval

OakCliffTX — Tue, 08 Jan 2019 19:53:12 GMT

Thank you. I called in for the CLOC but got declined. They pulled TU instead of EQ which is my highest score. I'm wondering if I should get the CLI first or the 2nd card on 91/3? I am very happy with the cash rewards. Thanks NavyFed 😀

Re: NFCU Cash Rewards Approval

OakCliffTX — Tue, 08 Jan 2019 19:55:35 GMT

You were right! Guess I will reapply after my 91/3. Thanks for the feedback.

@Anonymous wrote:
Congratulations on your membership and your CR approval 👏🏾

Your 2nd app for the CLOC likely went to review due to the duplicate app. If you'd like a reconsideration for the first app, I believe a secure message would have been the appropriate way to go. One of the other Navy experts here will jump in, but your second app might yield the same results.

Good Luck!!

Re: NFCU Cash Rewards Approval

Anonymous — Tue, 08 Jan 2019 23:42:08 GMT

Congrats on your NFCU Cash Rewards approval!

Re: NFCU Cash Rewards Approval

OakCliffTX — Wed, 09 Jan 2019 03:31:19 GMT

Can anybody help answer this question please?

@OakCliffTX wrote:
Thank you. I called in for the CLOC but got declined. They pulled TU instead of EQ which is my highest score. I'm wondering if I should get the CLI first or the 2nd card on 91/3? I am very happy with the cash rewards. Thanks NavyFed 😀

Re: NFCU Cash Rewards Approval

Anonymous — Wed, 09 Jan 2019 05:10:34 GMT

Congrats on the Approval!

Re: NFCU Cash Rewards Approval

Anonymous — Wed, 09 Jan 2019 21:53:25 GMT

Congrats! I just opened an account with them 2 days ago because i want to get there cash rewards card. ive been worried i wont be approved because my scores are low to mid 600s and only have C1, fingerhut, and auto loan. im nervous about applying dont wanna get a denial!

Re: NFCU Cash Rewards Approval

Anonymous — Wed, 09 Jan 2019 21:58:28 GMT

You may be okay for unsecured depending on your profile but if you REALLY dont want to risk it, why not just go with the secured card to get your foot in the door?

I did this and my card was unsecured at 5 or 6 months(I forget) and they bumped me from $500 to $2,000. Also got a 2nd card after 91 days with a SL of $15k.

IMO thats your safest bet to avoid a wasted HP but you may be okay regardless to start with unsecured.

Re: NFCU Cash Rewards Approval

Anonymous — Thu, 10 Jan 2019 23:20:39 GMT

@OakCliffTX wrote:
Thank you. I called in for the CLOC but got declined. They pulled TU instead of EQ which is my highest score. I'm wondering if I should get the CLI first or the 2nd card on 91/3? I am very happy with the cash rewards. Thanks NavyFed 😀

No surprise on denial for the second card. You can't get a 2nd one that quick

As for the 91/3 I would honestly leave that choice to you. Some people have better luck going one or the other, while others do both of the choices. This is your journey!

Did you do a different amount on the 2nd app for CLOC? What amounts did you request on both?

Congrats on the approval!

Re: NFCU Cash Rewards Approval

OakCliffTX — Fri, 11 Jan 2019 04:08:43 GMT

Thank you. I didnt know hehe. I applied for 15k than 5k the 2nd time. Called it in but said they used TU (603) instead of EQ (653) FICO 8 which was lower score and didnt qualify.

Re: NFCU Cash Rewards Approval

spiritcraft1 — Sun, 13 Jan 2019 16:08:03 GMT

@OakCliffTX wrote:
Thank you. I didnt know hehe. I applied for 15k than 5k the 2nd time. Called it in but said they used TU (603) instead of EQ (653) FICO 8 which was lower score and didnt qualify.

Give it 3-4 months to build some paying in full history with NFCU. You chances then are likely greater for a second card with a higher limit. You will have built an NFCU internal score then and that will help with the second card approval. In our family's experience, a second card is easier than a CLI but YMMV.

@campy And yes, a foot in the door is everything regarding NFCU. We have also seen full well in my fam that your secured card does not need to graduate before being approved for a big SL on a second card.

Re: NFCU Cash Rewards Approval

Anonymous — Sun, 13 Jan 2019 16:44:21 GMT

+1 on this advice 😀

Re: NFCU Cash Rewards Approval

csl1 — Mon, 14 Jan 2019 03:44:06 GMT

Congratulations!