topic Re: Nfcu is MIND BLOWING! in Credit Card Approvals

Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 20:58:51 GMT

Hello everybody!

So to start I want to thank everyone here for all the helpful information. To think this same time last year I had mid 500 scores, $0 in credit cards, some student loans with lates (forum helped get lates removed) and a car loan with 19% intrest but I found this forum and in the last 6 months my entire life has changed. I started with Nfcu last year in June but I had no idea the power they had until I came across this forum. In March, I applied for the More Rewards Amex and was instantly approved for 5k. Then 91 days later I was approved for the Cash Rewards at 8k and also a CLI from 5k to 13k on the Amex. Also I got a refinanced auto loan for 22k with 8.69% from the same EQ HP. So fast fowarding to yesterday, I want to try the same thing again so I applied for the Plat card but was denied. I wasn't upset because I figured it was to soon anyway and only wanted it so I could now have the minimum 3 credit cards (other than retail) to maximize on scoring points. I debated on rather or not to ask for an CLI on the Cash but I did and I am glad I did. I got the review message, logged in about 20 minutes later after I got the alert that my EQ was pulled and my limit was 16k. I am still in shock but this was only the beginning. I am getting into Real Estate and I wanted to get a loan so I figure why not go with Navy, I originally only wanted a loan for 15k but in talking with the rep he told me to aim high and they will counter, I figured why not so I applied for a 30k loan hoping to get countered between 15-17k, then it went into review. I didnt get a HP notification but I did get a email about 20 minutes stating my loan was approved my jaw dropped, I couldnt believe it. I signed the promissary note and in less than 5 minutes it was in my checking account. At this point I feel invincible lol so I figured since I already got the EQ pull I would apply for an increase on my Amex and CLOC, both were denied but both with no extra HP so I gained 38k from 1 EQ hp and 1 TU hp not bad lol. Overall I am ecstatic with my results and my give and take relationship with Navy lol.

So here's my Timeline:

Amex (3/19)- 5k

Amex CLI (6/19)- to 13k

Cash(6/19)- 8k

CLOC (6/19)- 3k

Auto Loan (6/19)-22k

Cash CLI (9/19)- to 16k

Personal Loan (9/19)- 30k

Total in 6 months 82K, Credit- 32k Loans- 52K...just wow lol.

DP:

DTI- 16%

UTL-12%

AAoA 1

TU- 736 9 inqs, 0 negatives

EQ- 731 8 inqs, 0 negatives

Re: Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 21:13:35 GMT

Congrats!! Gotta luv Navy!!

Re: Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 21:14:08 GMT

Yes, NFCU is Awesome! Congrats on your credit journey so far!

Re: Nfcu is MIND BLOWING!

snickerpedia — Thu, 12 Sep 2019 21:23:13 GMT

congrats!! NFCU is sure one of a kind!!

When you say you wanted a loan, you mean a personal loan right?

Re: Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 21:24:28 GMT

Wow, that’s awesome. Congrats!

I am maxed out with Navy at $15,200. It sucks being poor 😂

Re: Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 21:53:17 GMT

Thank you all!

@snickerpedia -Yes it was a personal loan

@Saeren - Lol atleast you're in, thats all that matters.

Re: Nfcu is MIND BLOWING!

Anonymous — Thu, 12 Sep 2019 21:55:53 GMT

@Anonymous wrote:
Thank you all!

@snickerpedia -Yes it was a personal loan

@Saeren - Lol atleast you're in, thats all that matters.

Yep. It’s been a year now and I’m happy with them.

Re: Nfcu is MIND BLOWING!

M_Smart007 — Thu, 12 Sep 2019 22:29:12 GMT

"MIND BLOWING" Yep, That's Navy!

Re: Nfcu is MIND BLOWING!

AverageJoesCredit — Fri, 13 Sep 2019 01:50:50 GMT

Awesome experience. Navy has hp'd my heart so many times, i dont know where love and heartbreak begin and end

Re: Nfcu is MIND BLOWING!

rgate88 — Fri, 13 Sep 2019 18:14:13 GMT

Can't wait to get in with NFCU. NFCU, USAA, and PenFed are on my list to go for in the coming 18 months

Re: Nfcu is MIND BLOWING!

gjean78 — Fri, 13 Sep 2019 19:15:57 GMT

congrats on your credit journey so far. it's only the beginning there's plenty more ahead.