topic Re: Minimum Score to Ap for NFCU Cards? in Credit Card Applications

Minimum Score to Ap for NFCU Cards?

Anonymous — Fri, 14 Dec 2018 17:51:09 GMT

Just joined and am not sure if I should apply for a regular card or just get one of their secured ones.
Current scores all hover at about 650.
2 baddies (4 years old).
Thin file. Only have:
Student loan - 5 years 100% payment history
Disco Secured -2 months $200 cl $2 reporting
FedEx CU secured - 7 months $400 cl $60 reporting.
That's it. Young and Skinny.

Thoughts?

Re: Minimum Score to Ap for NFCU Cards?

AverageJoesCredit — Fri, 14 Dec 2018 17:51:42 GMT

500

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Fri, 14 Dec 2018 17:58:40 GMT

Are you kidding me?!?!? 500? For a regular card? Or are you talking secured?

Re: Minimum Score to Ap for NFCU Cards?

Pikaboo-icu — Fri, 14 Dec 2018 18:01:33 GMT

@Anonymous wrote:
Are you kidding me?!?!? 500? For a regular card? Or are you talking secured?

He's teasin', to a degree..

NFCU is well known for giving cards to people with lower scores..

That said other things are also considered; income, dti, uti etc.. So YMMV.

Good Luck..

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Fri, 14 Dec 2018 18:13:51 GMT

Ok. Then I guess I'll just apply for the secured nRewards because my scores are fair and they evaluate after 5 months anyway

Re: Minimum Score to Ap for NFCU Cards?

Pikaboo-icu — Fri, 14 Dec 2018 18:22:14 GMT

@Anonymous wrote:
Ok. Then I guess I'll just apply for the secured nRewards because my scores are fair and they evaluate after 5 months anyway

I'm not 100% on this but...

You could try apping for their GoRewards card- I think they offer the secured, if you don't qualify for the unsecured..

It can't hurt- perhaps even a starter limit of $500-1000. That gets you in the door.

~~Somebody please fact check that for me.. Thanks~~

Nvm, they do counter.. Here's a thread where they offered the secured: https://ficoforums.myfico.com/t5/Credit-Card-Applications/UPDATED-Declined-but-counter-offered-with-their-secured-card/m-p/4354327

Re: Minimum Score to Ap for NFCU Cards?

AverageJoesCredit — Fri, 14 Dec 2018 23:50:03 GMT

Lol, sorry Op, Pika knows me too well. I was joking but in a wsy no because Navy does give low score holders big limits on occasion.

With 650's , i think you should apply for unsecured because they just might suprise you. If this was Penfed id csution more but 650 isnt that bad and not far off from hitting that 670-680 range. Navy is worth the risk of hp for any profile imo. Good luck

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Fri, 14 Dec 2018 23:59:21 GMT

@pika it looks like that thread was for Citi

Re: Minimum Score to Ap for NFCU Cards?

Pikaboo-icu — Sat, 15 Dec 2018 00:06:32 GMT

@Anonymous wrote:
@pika it looks like that thread was for Citi

Well dope..

I searched for NFCU- guess I should have proof read it..

I'm fairly sure NFCU will counter with secured but if they out right denied you, you could call and ask them to use that HP for the secured..

As AJC said, you might be pleasantly surprised.. NFCU is awesome!

Re: Minimum Score to Ap for NFCU Cards?

Gmood1 — Sat, 15 Dec 2018 00:54:59 GMT

There's only one way to find out! And shoot for the stars while you're at it!
Don't assume you'll be denied. From what you've shared, I believe you have a good shot at a non-secured CC with a decent limit!

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Sat, 15 Dec 2018 01:39:35 GMT

Ok. I'll wait till Monday.
I also have 3 inquiries on top of what I've already shared. Sorry... forgot to add that.

Here's hoping!

Re: Minimum Score to Ap for NFCU Cards?

Gmood1 — Sat, 15 Dec 2018 02:50:34 GMT

@Anonymous wrote:
Ok. I'll wait till Monday.
I also have 3 inquiries on top of what I've already shared. Sorry... forgot to add that.

Here's hoping!

Just curious, is there something important about Monday? NFCU is open 24 hrs a day 7 days a week. My last app with them was on a Friday or Saturday night, around this time.

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Sat, 15 Dec 2018 03:17:41 GMT

I've had a rough week and I don't have the energy.
Sorry guys, I plan everything. It's who I am.

I've covered extra shifts at work this week and work 1/2 day tomorrow. Sunday I rest. Monday I app. If I don't plan how I spend my energy I won't survive.

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Sat, 15 Dec 2018 06:03:46 GMT

Navy gave me $3K to start on cashRewards with a 647 FICO, Chapter 7 in 2010, repo in 2012, and three new credit cards 6 months before getting their card with $18K income to boot and then they gave me the full $7500 I asked for at 91 days and 3 statements. I have seen people with lower scores get cards too. They are DTI sensitive more than score.

Re: Minimum Score to Ap for NFCU Cards?

CreditInspired — Sat, 15 Dec 2018 12:46:37 GMT

Hi OP and welcome

IMHO, I do believe you would be approved for an unsecured CC. Don’t worry about limit. NFCU grows pretty quickly. You won’t be sorry.

Go ahead and apply.

Re: Minimum Score to Ap for NFCU Cards?

Anonymous — Sat, 15 Dec 2018 14:19:21 GMT

I will. After I get some rest.

Re: Minimum Score to Ap for NFCU Cards?

spiritcraft1 — Sat, 15 Dec 2018 15:51:35 GMT

Look at my signature, the card and the actual signature. I was approved for that $8k flagship with a 597 TU FICO. I did have a secured for 2 years but that was approved with a low 400's FICO initially. History matters with NFCU but I believe you would likely be approved for an unsecured card. Who knows about the limit and that is also based in DTI and income apparently as well as NFCU history, as much or more than your FICO's (Likely TU FICO 09). Once in, you are golden.

Re: Minimum Score to Ap for NFCU Cards?

CountryLivin — Sun, 16 Dec 2018 03:38:45 GMT

was approved with a 540 FICO score about 5 years ago....got a $5000 SL. I have never been late, always pay more than minimums and my limit has been stuck at $5000.

Re: Minimum Score to Ap for NFCU Cards?

CS11 — Fri, 21 Dec 2018 01:47:28 GMT

I'd give them a call and go for it. I was planning on getting the secured card when the rep said try for the unsecured if denied we'll use that pull to open up the secured card. I have 20k in defaulted student loans currently 2 months into rehab, 2 CO cc & secured discover it reporting for 1 month. FICO 520-530 at the time and I was approved for the cash rewards SL 3500. They gave me an internal score of 260 on their scale

Re: Minimum Score to Ap for NFCU Cards?

UncleB — Sun, 23 Dec 2018 18:40:58 GMT

This thread is locked and closed to new messages.

The new thread can be found here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Minimum-Score-to-Ap-for-NFCU-Cards-Update-Approved/m-p/5441026