topic Re: NFCU said "YES" in Credit Cards

NFCU said "YES"

Barrick — Wed, 13 May 2009 12:11:22 GMT

Thanks everyone on the forum!

I apped NFCU for the platinum (no rewards) visa, and was approved after two days for a CL of $10,000. My only previous card (see history in my previous post) was a $700 limit Bank Atlantic (Barclays) card. I know that my score is going to take a hit because my AAoA is going to go down; however, I feel that this was the best move considering my circumstances.

My reason for wanting a new card with higher credit limit is that I am overseas and could not purchase airline tickets in an emergency. I requested a CLI from Barclays, however they denied the request due to the type of card.

Once again, thanks for all of the good information!

Re: NFCU said "YES"

Schoolbuskid — Wed, 13 May 2009 12:45:42 GMT

Congrats to ya!

Re: NFCU said "YES"

Anonymous — Wed, 13 May 2009 14:07:10 GMT

What were your scores when you applied, and which bureaus did they pull?

***********************************************************************
800FICOwannabe

05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
09/01/08 - starting scores (Tri-Merge Morgtage Enhanced): EQ - 607, EX - 556, TU - 534

Re: NFCU said "YES"

Barrick — Wed, 13 May 2009 15:58:39 GMT

Unfortunately I do not have my FICO scores. I pulled my free annual reports, prior to apping to asses the likelihood of being accepted.

I'll post as to which bureaus were pulled later on when I know.

Re: NFCU said "YES"

Anonymous — Wed, 13 May 2009 16:07:24 GMT

Congrats on the new card and CL! Nice initial after $700.

@Anonymous wrote:
What were your scores when you applied, and which bureaus did they pull?

***********************************************************************
800FICOwannabe

05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
09/01/08 - starting scores (Tri-Merge Morgtage Enhanced): EQ - 607, EX - 556, TU - 534

Navy Fed pulls EQ.

Message Edited by txjohn on 05-13-2009 09:07 AM

Re: NFCU said "YES"

Barrick — Wed, 13 May 2009 16:19:46 GMT

@Anonymous wrote:
Congrats on the new card and CL! Nice initial after $700.

I agree! I was expecting a CL much lower, however I'll take it just the same! I'll let this account mature for a couple of years, and then reasses my needs then.

Re: NFCU said "YES"

smallfry — Wed, 13 May 2009 20:41:19 GMT

@Barrick wrote:
@Anonymous wrote:
Congrats on the new card and CL! Nice initial after $700.

I agree! I was expecting a CL much lower, however I'll take it just the same! I'll let this account mature for a couple of years, and then reasses my needs then.

Congrats on a solid credit line from NFCU. Treat them well and they will take good care of you.

Re: NFCU said "YES"

Itsmeagain — Wed, 13 May 2009 22:40:41 GMT

Because of the increase in your total CL you may see an increase in you scores. I know I did for the first 4-5 cards I got.

Re: NFCU said "YES"

Anonymous — Thu, 14 May 2009 02:45:54 GMT

What is the process for applying for a NFCU credit card? Do you have to become a member first and then apply for the credit card?

Re: NFCU said "YES"

Barrick — Thu, 14 May 2009 18:20:10 GMT

@Anonymous wrote:
What is the process for applying for a NFCU credit card? Do you have to become a member first and then apply for the credit card?

I was a member before apping, so I really can't say for sure; however, I suspect that only members are able to apply.

Re: NFCU said "YES"

Anonymous — Thu, 14 May 2009 19:48:45 GMT

Congrats!!! I too just got approved for a NFCU Mastercard and they do rock!