topic Re: NFCU Odds? in Credit Card Applications

NFCU Odds?

Batsamandrobin — Thu, 26 Apr 2018 17:37:08 GMT

After many hours of reading on this forum, I'm planning to join Navy Fed within the next few days. It's seems like they treat "builders" very well, so I'd like to app for one of their credit cards or a LOC as well.

Just looking for some insight on my approval odds. I'm looking at either the cash rewards or the more rewards card. EQ is 650/TU 686, with no baddies, missed or late payments, etc. AAoA is a little over a year, with about a dozen INQs.

Thanks!

Re: NFCU Odds?

Anonymous — Thu, 26 Apr 2018 18:45:07 GMT

Some with mid-500 have been approved. Some of the things that people believe they weigh heavy on are DTI-ratio, utililization (possibly overview of last year), and accounts opened in last couple years. If your utilization is good (less than 30 percent each month) really don't see you being rejected. I myself am waiting for next week to apply fingers crossed disputing some things. Right now Cash Rewards have a spend $500 get a $100 SUB until the end of the month.

Re: NFCU Odds?

Batsamandrobin — Thu, 26 Apr 2018 19:43:31 GMT

@Anonymous wrote:
Some with mid-500 have been approved. Some of the things that people believe they weigh heavy on are DTI-ratio, utililization (possibly overview of last year), and accounts opened in last couple years. If your utilization is good (less than 30 percent each month) really don't see you being rejected. I myself am waiting for next week to apply fingers crossed disputing some things. Right now Cash Rewards have a spend $500 get a $100 SUB until the end of the month.

Thanks for your reply. I took a look at the credit pulls database and it's a bit all over the place for my score range. Some were approved with sizeable SLs, others not so much. Seems like they've gone more towards TU, which will hopefully work to my benefit. Best of luck with your app next week!

Re: NFCU Odds?

Anonymous — Fri, 27 Apr 2018 16:14:05 GMT

Both my CCs were TU pulls, CLOC was EQ. Most have had the same. I would think you’d be ok for approval, but initial SL would be tough to gauge