topic Re: NFCU Flagship app in Credit Card Applications

NFCU Flagship app

Caught750 — Fri, 19 Apr 2019 17:57:01 GMT

I applied this morning and app went pending. Hopefully this ends with an approval! Thoughts everyone?

TU9 742
6 inquiries in the last 12 months
Lots of new accts
Just shy of 6 figure income

Again, really hoping for a positive outcome as I’d love to use NFCU for quite a bit in the future. I feel like building history would be a great start!

Need anything further just ask!

***Update 1***
App was denied. Additional DPs that were requested;
Util; 3% aggregate, no card over 28.9%
DTI 18%

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 16:05:13 GMT

Declined, not feeling the NFCU love everyone else does.

Re: NFCU Flagship app

Shooting-For-800 — Thu, 18 Apr 2019 16:06:03 GMT

@Caught750 wrote:
I applied this morning and app went pending. Hopefully this ends with an approval! Thoughts everyone?

TU9 742
6 inquiries in the last 12 months
Lots of new accts
Just shy of 6 figure income

Again, really hoping for a positive outcome as I’d love to use NFCU for quite a bit in the future. I feel like building history would be a great start!

Need anything further just ask!

I wish you luck.

I was just denied with 745 fico8, 2 inquiries, 15% utl, and 6 figure income.

I scored a 333 on their internal scale of 100-450.

I could not handle the rejection, so I applied for Cash Rewards and got a $1k SL.

I had only been a member for a few days though.

GL!

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 16:09:40 GMT

I will be in the garden for the next year so I was hoping to get in. Frankly I’m not interested in any low limit cards as I have significant limits elsewhere. Very unhappy. Apparently they won’t tell you anything or allow a Recon attempt for a while.

Re: NFCU Flagship app

FinStar — Thu, 18 Apr 2019 16:17:25 GMT

I was under the impression you were already in the garden 😄

Needless to say, depending on your overall profile (especially with your recent CC successes), the denial seems to point for taking a breather. You can eventually try this again once the dust settles for a while.

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 16:20:53 GMT

Fin, yea I was kinda supposed to be but figured I’d try one more. Thought Navy was super tolerant and not very sensitive. I suck at gardening, makes me wanna try the other lender we talked about lol

Re: NFCU Flagship app

simplynoir — Thu, 18 Apr 2019 17:06:27 GMT

@FinStar wrote:
I was under the impression you were already in the garden 😄

This so much lol

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 17:17:45 GMT

Guys, I hang out with Jago22 online, what do you really want from me??? 🤣😂 Gardening skills rubbed off I guess 🤷🏽‍♂️🤷🏽‍♂️

Re: NFCU Flagship app

Anonymous — Thu, 18 Apr 2019 17:09:17 GMT

Lately I have seen them give low limit first cards and high limit second cards at 91/3 regardless of score. There will of course be some outliers but this looks like the trend.

My "Baby momma" was approved for an 11k US Bank Cash+ but when apping at NFCU only got 1k with better scores. Mine are about 30 points below hers and I got a $700 SL on mine. We are both hoping for better results at 91/3 in early July.

Re: NFCU Flagship app

Remedios — Thu, 18 Apr 2019 17:21:36 GMT

Aren't we all in the Garden 😐

I used to be able to do it, now I'm just a gardening tool

🌹 🌹 🌹

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 17:22:33 GMT

Now I get to laugh and say allllll of this , Rem

Re: NFCU Flagship app

Remedios — Thu, 18 Apr 2019 17:25:52 GMT

Hey, at least you're a member 😐

I get to sit on navy parking lot (right accross from Popeyes, mind you), batting eyelashes, wondering if anybody needs a roommate...

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 17:27:34 GMT

Not the eyelashes...

I’m a member but no benefit there at the moment! In time I’m sure.

Re: NFCU Flagship app

pinkandgrey — Thu, 18 Apr 2019 18:27:17 GMT

Good luck! Hopefully another killer SL from Navy

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 18:28:26 GMT

Already denied P&G, thank you though!

Re: NFCU Flagship app

Anonymous — Thu, 18 Apr 2019 18:30:45 GMT

@Remedios wrote:
Hey, at least you're a member 😐

I get to sit on navy parking lot (right accross from Popeyes, mind you), batting eyelashes, wondering if anybody needs a roommate...

This is why I was thrilled when one of my ex-marine friends moved in with us in January Finally got my foot in the door.

Re: NFCU Flagship app

AverageJoesCredit — Thu, 18 Apr 2019 18:37:34 GMT

Sorry 7 fiddee, im the biggest tool here lol, though i could use a good hoe for my garden. I knew i shouldnt, did it anyway and was denied for FS the other day. Never app when you are down lol, i just get better at adding than subtracting hps from TU

Re: NFCU Flagship app

Caught750 — Thu, 18 Apr 2019 19:14:08 GMT

Yea AJC it sucks for sure! I wanna add to the collection at the moment as well but not really seeing the point

Re: NFCU Flagship app

Anonymous — Fri, 19 Apr 2019 17:27:28 GMT

@Caught750 wrote:
I applied this morning and app went pending. Hopefully this ends with an approval! Thoughts everyone?

TU9 742
6 inquiries in the last 12 months
Lots of new accts
Just shy of 6 figure income

Again, really hoping for a positive outcome as I’d love to use NFCU for quite a bit in the future. I feel like building history would be a great start!

Need anything further just ask!

What is your utilization and your total debt to income ratio. I had lower score than you and got approved for 25k. Also I think I was right around 30/24 when I was approved.

Re: NFCU Flagship app

Caught750 — Fri, 19 Apr 2019 17:28:34 GMT

Util is 3%, DTI is 18%. App was denied.