topic Re: NFCU Question???? in Credit Cards

NFCU Question????

TekkenQQ7 — Fri, 19 Feb 2016 03:31:45 GMT

Hi all, Today I was able to establish my membership with NFCU. As of today my EX 702 16 inq. TU 680 16 inq. EQ 664 8 inq. my util is 30%. oldest account 6.1 years AAoA 1.8 years. 100% on time payment, and few lates from student loan 2010 account. should I apply for one? and what are my chances of getting a CC? and witch one I should apply for? thank you all in advance for your help.

Re: NFCU Question????

CountryLivin — Fri, 19 Feb 2016 04:06:06 GMT

@TekkenQQ7 wrote:
Hi all, Today I was able to establish my membership with NFCU. As of today my EX 702 16 inq. TU 680 16 inq. EQ 664 8 inq. my util is 30%. oldest account 6.1 years AAoA 1.8 years. 100% on time payment, and few lates from student loan 2010 account. should I apply for one? and what are my chances of getting a CC? and witch one I should apply for? thank you all in advance for your help.

If you apply, go for the cash rewards card. You will get 1 1/2% on every purchase. The N rewards, you get points like to redeem for stuff or cash....but I feel the cash rewards is much better. Your chances are very good with NFCU, as I got mine with a $5000 limit with a score in the high 500's and a lot of inquiries.

Re: NFCU Question????

Anonymous — Fri, 19 Feb 2016 04:08:03 GMT

your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k

Re: NFCU Question????

TekkenQQ7 — Fri, 19 Feb 2016 04:15:48 GMT

@Anonymous wrote:
your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k

They hard pull my TU for the application, so is it possible to use the same pull, but I read they will pull EQ for CC?

Re: NFCU Question????

CountryLivin — Fri, 19 Feb 2016 04:20:27 GMT

That's what they did on mine!

@TekkenQQ7 wrote:
@Anonymous wrote:
your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k
They hard pull my TU for the application, so is it possible to use the same pull, but I read they will pull EQ for CC?

Re: NFCU Question????

Anonymous — Fri, 19 Feb 2016 04:27:40 GMT

nope. it'll be separate. everything you app for is its own pull.

Re: NFCU Question????

Anonymous — Fri, 19 Feb 2016 06:13:17 GMT

Pretty sure you will get approved, you should also consider applying for the CLOC for 15k. It is pretty easy to get and a nice source of cash if you get in a pinch but doesnt cost you anything to have sit there just in case.

Re: NFCU Question????

TekkenQQ7 — Fri, 19 Feb 2016 23:51:46 GMT

This morning my account was restricted, after submitting my ID and SS Card I applied for the cash reward and they approve me for 2300 SL

Re: NFCU Question????

Anonymous — Sat, 20 Feb 2016 00:07:03 GMT

decent start

Re: NFCU Question????

TekkenQQ7 — Sat, 20 Feb 2016 00:17:46 GMT

@Anonymous wrote:
decent start

At some point I thought it's low compare to my other cards, but now I am happy that I am in. I heard it will grow quick

Re: NFCU Question????

Anonymous — Sat, 20 Feb 2016 00:23:21 GMT

won't take long. in a year and 2 months mine went from $1k to $10k

Re: NFCU Question????

TekkenQQ7 — Sat, 20 Feb 2016 00:27:25 GMT

@Anonymous wrote:
won't take long. in a year and 2 months mine went from $1k to $10k

thank you 2011XTERROR for the info