topic Re: NFCU Instant Approval? in Credit Card Applications

NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 11:28:16 GMT

Hello,

Does NFCU do instant approvals for CC's? I wanted to app for the Flagship, but was wondering if there is a possibility of getting an instant approval. Currently have LOC, Cash Rewards, and all banking including direct deposit with them. 715 EQ.

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 11:48:01 GMT

Yes they give out instant approvals.

Re: NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 11:51:12 GMT

@Anonymous wrote:
Yes they give out instant approvals.

This is in credit card applications. DOH. it looks like you edited your post already

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 11:49:08 GMT

@NP27 wrote:
@Anonymous wrote:
Yes they give out instant approvals.

This is in credit card applications

Yeah I know. My mistake. Sorry. Not enough coffee yet :-)

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 11:49:40 GMT

You should be fine and have very good shot at instant approval

Re: NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 11:53:57 GMT

@Anonymous wrote:
You should be fine and have very good shot at instant approval

If it is not instant for whatever reason, do they do reviews on Sunday?

If not, I may wait until tomorrow to app because I am inpatient and dont want to be in limbo until tomorrow.

I know when I apped for my LOC it was not instant, but received the text 20 minutes later that I was approved.

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 11:58:24 GMT

@NP27 wrote:
@Anonymous wrote:
You should be fine and have very good shot at instant approval
If it is not instant for whatever reason, do they do reviews on Sunday?

If not, I may wait until tomorrow to app because I am inpatient and dont want to be in limbo until tomorrow.

I know when I apped for my LOC it was not instant, but received the text 20 minutes later that I was approved.

I'm not certain but I doubt that they do reviews on Sunday's. Are there any baddies still on your EQ report? If not I can't see any reason for it not being instant or an approval very soon after. When I applied for the Flagship my score was around yours at the same and I got an instant for $25K. I think I even had a charge off on my report at the time

Re: NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 12:01:27 GMT

no baddies...a few lates but > 2years old

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 12:09:45 GMT

@NP27 wrote:
no baddies...a few lates but > 2years old

I guess at this point given your impatience (I'm the same way) maybe waiting until tomorrow is a good idea. Either way, as long as your income supports more credit from them, an approval is pretty much a sure thing.

Onlyvreason to wait longer is to see if they come out with a bonus points offer for the Flagship

Re: NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 12:11:00 GMT

@Anonymous wrote:
@NP27 wrote:
no baddies...a few lates but > 2years old
I guess at this point given your impatience (I'm the same way) maybe waiting until tomorrow is a good idea. Either way, as long as your income supports more credit from them, an approval is pretty much a sure thing.

Onlyvreason to wait longer is to see if they come out with a bonus points offer for the Flagship

How often do they come out with a bonus points offer?

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 12:14:57 GMT

@NP27 wrote:
@Anonymous wrote:
@NP27 wrote:
no baddies...a few lates but > 2years old
I guess at this point given your impatience (I'm the same way) maybe waiting until tomorrow is a good idea. Either way, as long as your income supports more credit from them, an approval is pretty much a sure thing.

Onlyvreason to wait longer is to see if they come out with a bonus points offer for the Flagship
How often do they come out with a bonus points offer?

I think 3 or 4 times a year. They seem to alternate between one for the Cash Rewards (currently have one for that card) and the Flagship. Unless for some reason you're in a big hurry, I'd wait. Helps to offset the AF for that card. Just a suggestion

Re: NFCU Instant Approval?

NP27 — Sun, 30 Aug 2015 12:16:20 GMT

how much is the annual fee?

Re: NFCU Instant Approval?

Anonymous — Sun, 30 Aug 2015 12:18:57 GMT

@NP27 wrote:
how much is the annual fee?

It's not huge, $49

Re: NFCU Instant Approval?

jbsea — Sun, 30 Aug 2015 18:17:03 GMT

I think that they just did one for the Flagship last month.