topic Re: NFCU PRESCREEN OFFER in Credit Cards

NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 00:18:16 GMT

Has anyone have any experience with a Pre screened offer from NFCU with an acceptance code?

Results?

Comments?

Advice ?

scared to push the button......I am in garden mode? but a cash rewards card unsecured would be totally kewl for me....

Just got my first auto loan offer from 22% down to 14%

again, you people here are the BOMB...and you ROCK!

Re: NFCU PRESCREEN OFFER

LS2982 — Sat, 31 Dec 2011 00:30:30 GMT

@tbc wrote:
Has anyone have any experience with a Pre screened offer from NFCU with an acceptance code?

Results?

Comments?

Advice ?

scared to push the button......I am in garden mode? but a cash rewards card unsecured would be totally kewl for me....

Just got my first auto loan offer from 22% down to 14%

again, you people here are the BOMB...and you ROCK!

What is your current credit profile?? A prescreen offer doesn't take into fact your current profile.

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 00:40:50 GMT

Thanks for the reply......LS

I know...I think I just got like woohoo excited......My last letter invitation was for BBRZ and got approved........so I thought maybe maybe.........

I am paid as agreed on all my bills for the last 2.5 yrs.

I still have 6 baddies COs on my report that are over 5 yrs old. I am still attempting to resolve.

Just pulled my score again.....and myfico score is 566 an increase of 24 from 12/22

And, like I said just got approved for a new USED loan at 14% with a local CU here in Texas. I had tried to get an auto loan back in Sept, and they offered me 22% different company.

I know to alot of people 14% sounds like alot........but it is the world to me.......thats and 8% difference.

Needless to say I didn't take the auto loan.

I am and have been working sooooo hard at this.........

Re: NFCU PRESCREEN OFFER

Anonymous — Sat, 31 Dec 2011 01:12:47 GMT

It worked for me in October when I got one of those!

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:15:53 GMT

Thanks....Chester............

I am afraid, my scores are waaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaay lower than yours...........

Just super itchey to hit submit.....lol

but garden garden garden I am.........lol

It would look sooooo good. ugh..ugh...ugh.....

what shall I do.....what shall i do.......

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:16:31 GMT

btw chester....did you have an acceptance code too?

Re: NFCU PRESCREEN OFFER

Anonymous — Sat, 31 Dec 2011 01:23:08 GMT

Yes, I had an acceptance code! It was on a mailed letter. Those scores are from USAA's credit monitoring service. I have evidence that my real scores are lower. Every time a lender sends me a score (just a few times recently) it was around 660-690.

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:26:09 GMT

ok...wow.........chester thanks again........

I pulled the itchey button trigger finger:

Your application has been submitted and your credit card application is being reviewed.

Your confirmation number is .

A decision will be made on your credit card request within 24 hours, unless additional information is required. A credit card representative may contact you by phone or, if you have supplied Navy Federal with your email address, by email via our secure Application Message Center.

If you would like to check the status of your application or send a question to Navy Federal, you may use the Navy Federal Application Message Center at the address listed below.

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:27:18 GMT

I guess I will be holding my breath for the next 24 hours......

Re: NFCU PRESCREEN OFFER

Anonymous — Sat, 31 Dec 2011 01:34:54 GMT

That's how their applications always go, so don't lose hope. Also, when you apply on a weekend, particularly a holiday weekend, you may have to wait until Monday or Tuesday to hear back. That's what happened to me - it was like a Thursday when I applied and I had to wait all day Friday, all weekend, and halfway through Monday. (I must have checked status a million times.) Good luck!

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:38:11 GMT

thx for the good wishes and the smile chester..........

I really didn't figure I would get an immediate reply.........I do still have a fraud alert on my file too.

I expect a call from NFCU.......

its not a flat out denial.....the fact they are considering me under review........makes 2012 that much brighter........

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:40:06 GMT

I should have added I have a secured card with NFCU........

Re: NFCU PRESCREEN OFFER

LS2982 — Sat, 31 Dec 2011 01:42:22 GMT

I think your FICO score may be a bit too low for a unsecured NFCU. Your secured card's good history may help tho.

Re: NFCU PRESCREEN OFFER

tbc — Sat, 31 Dec 2011 01:50:29 GMT

thx LS.

maybe my secured card, and my direct deposits......and my SO/fiance just got a personal loan and we have a joint saving and checking acct.

I have been blessed this year.

2012 is looking brighter.........

On the road to credit heaven........

Re: NFCU PRESCREEN OFFER

LS2982 — Sat, 31 Dec 2011 02:02:40 GMT

crossing my fingers for you!

Re: NFCU PRESCREEN OFFER

Anonymous — Sat, 31 Dec 2011 05:10:03 GMT

I hope they approve you! Despite my irritation with them at giving me such a low CL on my card, I like them. They're my prime candidate for when I apply for an auto loan in about a month. I'd rather get a loan from them than some random bank or finance company.

Re: NFCU PRESCREEN OFFER

Anonymous — Sat, 31 Dec 2011 05:40:55 GMT

You should've just waited for your secured card to unsecure

Re: NFCU PRESCREEN OFFER

Anonymous — Mon, 02 Jan 2012 05:29:08 GMT

Did you get approved?

Re: NFCU PRESCREEN OFFER

tbc — Mon, 02 Jan 2012 12:57:40 GMT

I am still under review.........

Re: NFCU PRESCREEN OFFER

RyVision — Mon, 02 Jan 2012 14:23:47 GMT

tbc;

You probably won't know anything until Tuesday. Most of NFCU's credit card dept is off until then (if not all of it). They're working with a very minimal staff during the holidays.

If you have accounts with them you're using, and your secured card has been there a while (as LS2982 mentioned it helping); I'd say you're right on the fence for an approval of some kind being they sent you an invite with a code. At least that's going on all I've read about them. My reports were all clean with an EQ (checked 4 CC) score around 615 and TU (checked 4 membership) score around 688 when the pre-selected offer popped up on my account screen (no invite code being it was just the box on the account page).

I applied on the phone while signing up for online access after the prompting of the CSR during our conversation (the box was there upon accessing), was approved a few days later, only 3k, right after joining. My scores are lowered by high util (the worst part of 0%) and new accounts, I think the perfect history helped with the approval, my AAoA at the time was over 4 years.

As I said, seems like it could go either way as it seems you're on the fence info wise (IMHO).

Best of luck, I hope you're approved

If not, I've read your best bet is right at the 1 year mark to request they unsecure a card, so it could end up being just a time factor.