topic Re: NFCU in Credit Cards

NFCU

Anonymous — Sat, 08 Apr 2017 08:00:48 GMT

I have Rewards Card 1700 with almost time for the CLI love button to be hit, and CLOC 15000 just got and active. Should I app for the Cash rewards card to?

EQ 615, TU 636, EX 639

Re: NFCU

Glen_M — Sat, 08 Apr 2017 11:34:56 GMT

@Anonymous wrote:
I have Rewards Card 1700 with almost time for the CLI love button to be hit, and CLOC 15000 just got and active. Should I app for the Cash rewards card to?

EQ 615, TU 636, EX 639

What's your goal? Everything I've read suggests a new product/account with NFCU is going to be another HP, do you care? You say the CLOC was just activated, how old is the first card? Lot's of other info missing, but the first question is the most important to giving you answers: what's your goal?

Re: NFCU

Aduke1122 — Sat, 08 Apr 2017 17:27:00 GMT

Need more info to better advise

Re: NFCU

Appleman — Sat, 08 Apr 2017 19:46:27 GMT

I would say wait and see what the CLI brings with your current NFCU card

Re: NFCU

Anonymous — Mon, 10 Apr 2017 03:56:50 GMT

My 3rd statement will cut on 4/15/17. Account is 3 months old.

Re: NFCU

Anonymous — Mon, 10 Apr 2017 04:00:39 GMT

I tried to app for the cash rewards card to on the 8th after posting this thread but denied. Sending out a letter with appeal instructions. According to a rep I spoke with about a possible mortgage to my credit rating was really good with them. Can't understand the denial reason then, unless it's to new. Maybe need to wait on the 1st CLI on first card and possibly 6 months before 2nd card. I'll see what the letter says this week.

Re: NFCU

Anonymous — Mon, 10 Apr 2017 04:11:35 GMT

1) Low 600s scores.

2) $1,700 approval on first NFCU card.

3) Denied for a second card.

4) Only waited 3 months and want a CLI to near maximum on your first card.

Slow down Dale Earnhardt Jr. Don't want to get a response about aggressively seeking credit.

Re: NFCU

Anonymous — Mon, 10 Apr 2017 04:15:50 GMT

Frequent Contributor

Posts: 348

Registered: ‎12-13-2015

Re: NFCU

‎04-09-2017 09:11 PM

1) Low 600s scores.

2) $1,700 approval on first NFCU card.

3) Denied for a second card.

4) Only waited 3 months and want a CLI to near maximum on your first card.

Slow down Dale Earnhardt Jr. Don't want to get a response about aggressively seeking credit.

Re: NFCU

Aduke1122 — Mon, 10 Apr 2017 04:25:35 GMT

You have to have BOTH 3 statements and 90+ days or otherwise they have been known to come back as account too new

Re: NFCU

Anonymous — Mon, 10 Apr 2017 04:29:54 GMT

Valued Contributor

Posts: 2,744

Registered: ‎05-25-2016

Re: NFCU

‎04-09-2017 09:25 PM

You have to have BOTH 3 statements and 90+ days or otherwise they have been known to come back as account too new

Re: NFCU

Aduke1122 — Mon, 10 Apr 2017 04:32:09 GMT

It is for your 1st CLI after that one you have to wait for 6 mths in between Clis , now not everyone always gets the 3 statements 90 days CLI , it's only if your profile supports it I guess

Re: NFCU

Anonymous — Mon, 10 Apr 2017 04:36:51 GMT

Valued Contributor

Posts: 2,745

Registered: ‎05-25-2016

Re: NFCU

‎04-09-2017 09:32 PM

It is for your 1st CLI after that one you have to wait for 6 mths in between Clis , now not everyone always gets the 3 statements 90 days CLI , it's only if your profile supports it I guess

Re: NFCU

Aduke1122 — Mon, 10 Apr 2017 05:22:56 GMT

Yea I would let the First Cc and Cloc get some age bf I try for another on 6 -12 should be just fine . Good luck let us know how your CLI goes

Re: NFCU

Anonymous — Mon, 10 Apr 2017 05:31:29 GMT

Valued Contributor

Posts: 2,747

Registered: ‎05-25-2016

Re: NFCU

‎04-09-2017 10:22 PM

Yea I would let the First Cc and Cloc get some age bf I try for another on 6 -12 should be just fine . Good luck let us know how your CLI goes

Re: NFCU

Aduke1122 — Mon, 10 Apr 2017 05:41:57 GMT

I see a lot of ppl doing this , I guess it just depends if the APR is better on your Cloc than the other cards your wanting to pay off . If so then yes if it saves some money why not . But maybe wait until after the CLI and see how it goes to maybe not spook them and all . How much is your CL on the cc right now ? Also you have to remember that when you do anything with the CLoc you get charged interest from the day it post

Re: NFCU

Anonymous — Mon, 10 Apr 2017 05:50:06 GMT

SL 1700 on my NFCU card now with a balance of 500. My CLOC is 16.9 apr. My other cc are 22 to 25% APR. So yeah, Would be a big difference. Plus, with them being paid off my FICO score should jump big time. And the balance on my CLOC would be right at 30%. 2% payment of balance on cloc auto done by Navy to. I figure 2% of 5k is 100.00

Valued Contributor

Posts: 2,754

Registered: ‎05-25-2016

Re: NFCU

‎04-09-2017 10:41 PM

Re: NFCU

Anonymous — Mon, 10 Apr 2017 06:44:53 GMT

Think your right tho. I'm gonna hold off on doing anything till after I try for the CLI with them. Perhaps, if it's approved then I can transfer the balances of the other cards over to Navy since the apr on my Go Rewards card is only 1% higher apr than my cloc.

Re: NFCU

Aduke1122 — Mon, 10 Apr 2017 17:22:37 GMT

Well just keep us posted and good luck

Re: NFCU

Anonymous — Sat, 15 Apr 2017 23:26:39 GMT

Updates. I received my denial letter on the 2nd card today. It did advise the account was to new. Does anybody know how long I would need to wait before applying for the 2nd card with them.

Re: NFCU

Anonymous — Thu, 20 Apr 2017 20:30:00 GMT

It's funny, I was denied a CLI on my first card SP $1,700 but applied for another card with them 4 days after the declination and was approved for the new card, $5,300 SP.