topic Re: NFCU Cash Rewards Plus Approval! in Credit Card Approvals

NFCU Cash Rewards Plus Approval!

Zoostation1 — Sun, 23 Feb 2025 19:10:14 GMT

I was trying to wait till I was 0/12 to gain a few points first, but got a bit antsy and applied for Cash Rewards Plus today. $7100 CL, 18% APR, $250 for $2500 in 90 days sub. DPs below:

NFCU member for just over a year. No DD with them just a certificate that I recently renewed for another year.
Inquiries and new accounts at time of approval: 0/6, 1/12, 2/24
7+yr old BK7
Pulled TU only
FICO 9 scores EQ9 722 TU9 724 EX9 721 (NFCU doesn't pull FICO 8 afaik)

This was just to diversify and will likely be my last card app for quite a while. Prior to this I didn't have a MC or Visa that wasn't Capital One and 5 of my then 6 cards were C1 or Discover. I don't anticipate this getting heavy usage after meeting the sub requirements since I normally use VX as my non category catch all. It's nice to have crossed the $50k barrier for available credit (small compared to many here, but a milestone for me).

Re: NFCU Cash Rewards Plus Approval!

Jnbmom — Sun, 23 Feb 2025 19:17:05 GMT

Congrats

Re: NFCU Cash Rewards Plus Approval!

GZG — Sun, 23 Feb 2025 20:54:17 GMT

very nice approval, congrats!!

consider contacting them to disable auto-CLIs and remember to ask for CLIs manually to get the highest possible limit for your new card: ~91 days from now, ~190 days after that, ~190 days after that etc.

Re: NFCU Cash Rewards Plus Approval!

butterpecan — Sun, 23 Feb 2025 20:38:00 GMT

Congratulations!

Re: NFCU Cash Rewards Plus Approval!

coreyb80 — Sun, 23 Feb 2025 20:45:36 GMT

Congrats on the approval!

Re: NFCU Cash Rewards Plus Approval!

Rebuild2019 — Mon, 24 Feb 2025 00:19:53 GMT

Congratulations on your approval @Zoostation1

Re: NFCU Cash Rewards Plus Approval!

Creditwiser — Mon, 24 Feb 2025 09:31:03 GMT

Nice SL. Congrats on your approval ! It'll grow nicely in time

Re: NFCU Cash Rewards Plus Approval!

JoeRockhead — Mon, 24 Feb 2025 12:46:48 GMT

Nice SL and approval, congratulations!

Re: NFCU Cash Rewards Plus Approval!

jcar — Mon, 24 Feb 2025 23:01:21 GMT

Congratulations! This is one card I have my eyes on too,.

Re: NFCU Cash Rewards Plus Approval!

cashorcharge — Thu, 27 Feb 2025 18:14:04 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: NFCU Cash Rewards Plus Approval!

southernblueeyes — Sat, 01 Mar 2025 01:22:55 GMT

Congratulations!! Gotta love Navy Federal!

Re: NFCU Cash Rewards Plus Approval!

Chris1231 — Sat, 01 Mar 2025 06:46:41 GMT

Congrats!

Re: NFCU Cash Rewards Plus Approval!

CreditAggie — Thu, 13 Mar 2025 14:00:59 GMT

Congratulations on your NFCU cashRewards Plus approval!

Re: NFCU Cash Rewards Plus Approval!

NoMoreDebt — Sat, 15 Mar 2025 12:56:02 GMT

Congrats

Re: NFCU Cash Rewards Plus Approval!

GZG — Tue, 03 Jun 2025 05:27:07 GMT

CLI time? @Zoostation1

Re: NFCU Cash Rewards Plus Approval!

Zoostation1 — Wed, 04 Jun 2025 02:48:38 GMT

@GZG I never turned off the auto CLIs, so I kinda screwed myself on that one and got the $2k auto CLI before I hit the 91 day mark. My guess is I won't get the max CLI next time anyways but we'll count off the 182 days from 5/10 when the auto increase hit.

Re: NFCU Cash Rewards Plus Approval!

LivingTheAmericanDream — Wed, 04 Jun 2025 03:12:14 GMT

@Zoostation1 wrote:
@GZG I never turned off the auto CLIs, so I kinda screwed myself on that one and got the $2k auto CLI before I hit the 91 day mark. My guess is I won't get the max CLI next time anyways but we'll count off the 182 days from 5/10 when the auto increase hit.

My understanding is non-auto CLI is a hard pull. What is everyone's experience? Thanks and congrats on your new CC!

Re: NFCU Cash Rewards Plus Approval!

GZG — Wed, 04 Jun 2025 05:24:20 GMT

@Zoostation1 wrote:
@GZG I never turned off the auto CLIs, so I kinda screwed myself on that one and got the $2k auto CLI before I hit the 91 day mark. My guess is I won't get the max CLI next time anyways but we'll count off the 182 days from 5/10 when the auto increase hit.

could always secure message and ask to be reconsidered for the full $8k, hope you do end up contacting them to turn off the auto CLIs in the future, congrats!!