topic Re: NFCU ROCKS! in Credit Cards

NFCU ROCKS!

TATATA — Fri, 08 Oct 2010 04:10:03 GMT

CLI on my CashRewards from 1k to 5k and Platinum MC approval of 3k. Fico score 667. Bk discharged 01/09. I love NFCU. They are simply the best!

Re: NFCU ROCKS!

Datx — Fri, 08 Oct 2010 04:26:21 GMT

Congrats! If you dont mind me asking, did you have to request the platinum card in the MC version? I see they have the visa platinum card on the website but not the mastercard version.

Re: NFCU ROCKS!

TATATA — Fri, 08 Oct 2010 04:35:13 GMT

Thanks. Yes. When I applied on-line it offered me the option to choose: VISA or MC.

Re: NFCU ROCKS!

USC08 — Fri, 08 Oct 2010 04:47:58 GMT

@TATATA wrote:
CLI on my CashRewards from 1k to 5k and Platinum MC approval of 3k. Fico score 667. Bk discharged 01/09. I love NFCU. They are simply the best!

What are your stats besides FiCO score at the time of getting a CLI and new approval?

Util%?

How long did you have the card CashRewards?

Auto cli?

Re: NFCU ROCKS!

Anonymous — Fri, 08 Oct 2010 04:51:56 GMT

Congrats!!

I'm loving Navy Federal, personally. I recently joined thanks to the acquisition of USA Fed, and they approved me for a $20k Visa Platinum, an auto loan (refi) at 1.99%, and I've gotten great service, too! They really are awesome.

Re: NFCU ROCKS!

TATATA — Fri, 08 Oct 2010 04:57:38 GMT

Score was 667. DTI less than 10%. All my revolving accounts are paid off (0 balance). Had Cashrewards for 6 months. I think they require a minimum of 6 months before considering a CLI request.

Re: NFCU ROCKS!

TATATA — Fri, 08 Oct 2010 05:04:12 GMT

JMN -

Thanks. Congratulations to you too. You must have excellent credit. One day, I will get there again.

Re: NFCU ROCKS!

TATATA — Fri, 08 Oct 2010 05:13:22 GMT

USC08 -

It wasn't an auto cli. It took a couple of days to get approved.

Re: NFCU ROCKS!

Anonymous — Fri, 08 Oct 2010 05:20:31 GMT

@TATATA wrote:
JMN -

Thanks. Congratulations to you too. You must have excellent credit. One day, I will get there again.

Thanks.

And it's in the 730s-740s. My only hindrance is the average age, since I'm only in my early 20s, thus most of my accounts are fairly recent. Nevertheless, it's off to a good start with good creditors.

And you definitely will - it's only a matter of time!

Re: NFCU ROCKS!

BungalowMo — Tue, 30 Nov 2010 13:15:03 GMT

I totally agree that they ROCK!!!!

After biding my time, and knowing that they pull EQ, I apped yesterday.

I have the checking & savings with them, my EQ FICO is 733, my last baddie gone from EQ giving me my first totally clean credit report I have ever knowingly had... 32% Util., 6 cards (2 w/balances) ....approved for the nRewards.....25k!!

I love NFCU!

Re: NFCU ROCKS!

haulingthescoreup — Wed, 01 Dec 2010 05:23:50 GMT

@BungalowMo wrote:
I totally agree that they ROCK!!!!

After biding my time, and knowing that they pull EQ, I apped yesterday.

I have the checking & savings with them, my EQ FICO is 733, my last baddie gone from EQ giving me my first totally clean credit report I have ever knowingly had... 32% Util., 6 cards (2 w/balances) ....approved for the nRewards.....25k!!

I love NFCU!

Whoa, mama! Congrats! Looks like that ought to help out on util, too.

Re: NFCU ROCKS!

TryN2Rebuild — Wed, 01 Dec 2010 05:43:20 GMT

Is NFCU easy to join? Is it possible to have anyone join?

Re: NFCU ROCKS!

BungalowMo — Wed, 01 Dec 2010 14:12:51 GMT

@haulingthescoreup wrote:

Whoa, mama! Congrats! Looks like that ought to help out on util, too.

You bet!! When that card reports, my util will drop to 6%!! woop woop!

Is NFCU easy to join? Is it possible to have anyone join? <--- If you are (or are a sibling/spouse of) active or former military, DoD contractor, federal employee and possibly some others, you can join.

Here is their eligibility checklist for anyone interested.

Re: NFCU ROCKS!

cw81 — Wed, 01 Dec 2010 14:34:28 GMT

Congrats to OP and Mo NFCU rocks for real I pulled the trigger yesterday and wait for it ....... I got a 25k Cash rewards card and 5k NavCheck approval. i am thinking about going for the trifecta and doing a refi on my auto loan. Does anyone know if they use the same pull for CC for auto refi I am aware NavChek is a separate pull.

My EQ score is like 682 and my util is about 38% and I have one 6 year old paid collection.

Re: NFCU ROCKS!

Datx — Wed, 01 Dec 2010 14:42:56 GMT

It was either this forum or another where members said NFCU has a diff department for auto loans, one dept for CC loans and another for auto loans. And because of that, they pull your credit again when you app for an auto loan. When I applied for a NFCU auto loan, they pulled TU and when I applied for my nRewards CC they pulled EQ. Hope this helps.

Re: NFCU ROCKS!

laz98 — Wed, 01 Dec 2010 14:56:17 GMT

@MyCreditStinks wrote:
It was either this forum or another where members said NFCU has a diff department for auto loans, one dept for CC loans and another for auto loans. And because of that, they pull your credit again when you app for an auto loan. When I applied for a NFCU auto loan, they pulled TU and when I applied for my nRewards CC they pulled EQ. Hope this helps.

i know, that made me really mad because i asked if they were going to pull again, & the guy said no, it's good for 30 days for whatever you want to apply for. i'm like you're the branch manager, shouldn't you know!!!!

Re: NFCU ROCKS!

cw81 — Wed, 01 Dec 2010 15:28:24 GMT

Thanks that helps I wouldn't mind if they pull Tu so they are spread around I have bunch of Inqs on EQ and only like 2 on TU anyways I will talk to them and see if I can get them to pull TU

Re: NFCU ROCKS!

laz98 — Thu, 02 Dec 2010 03:12:28 GMT

yeah, definitely can't hurt to ask........they pulled my EQ twice