topic Re: NFCU Members' STARTING CLs in Credit Cards

NFCU Members' STARTING CLs

Whereis750 — Sun, 06 May 2012 13:37:35 GMT

I'll be joining NFCU soon (really excited!) and was curious:

1. What CC did you pick?
2. What was starting CL?
3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

Trying to determine which I should get. Thanks!!

Re: NFCU Members' STARTING CLs

webhopper — Sun, 06 May 2012 14:04:31 GMT

@Whereis750 wrote:
I'll be joining NFCU soon (really excited!) and was curious:

1. What CC did you pick?
2. What was starting CL?
3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

Trying to determine which I should get. Thanks!!

1. cashRewards Visa

2. 22, 000

3. TU

Re: NFCU Members' STARTING CLs

Brusilov — Sun, 06 May 2012 14:10:32 GMT

1) CashRewards

2) $5000

3) EQ. Low 600s. 2 chargeoffs about 5 years old

Re: NFCU Members' STARTING CLs

Anonymous — Sun, 06 May 2012 14:26:50 GMT

1. What CC did you pick?

Platinum. I don't use rewards much and I often carry a balance, so I wanted a lower APR. Might get Rewards once DW gets her own.

2. What was starting CL?

18k

3. What CR was pulled for the CL and what was your score? Any negatives on your CR?

The CC was EQ, but the membership app to NFCU was TU. Score at the time for EQ I believe was around 650. I need to update my sig again when I pull everything this month. I have one CO across all 3 CRA's and 4 late pays (2-30's and 2-60's from early 2010, so older than 2 years).

Happy apping.

Re: NFCU Members' STARTING CLs

Anonymous — Sun, 06 May 2012 14:28:42 GMT

1. cashRewards Visa

2. 17,500

3. TU

~660

Re: NFCU Members' STARTING CLs

Anonymous — Sun, 06 May 2012 14:59:41 GMT

I applied on Saturday, I will let you guys know what I get.

They pulled EQ 690ish

Recent paid CO, last yr.

Foreclosure 2009

Re: NFCU Members' STARTING CLs

llecs — Sun, 06 May 2012 15:13:08 GMT

Me:

Cashrewards

$25,000

Pulled EQ at 720 FICO (+/- a few)

DW:

Cashrewards

$5000

Pulled EQ FICO around 680

Re: NFCU Members' STARTING CLs

Anonymous — Sun, 06 May 2012 18:46:55 GMT

CashRewards
$10,000
Pulled TU 772

Re: NFCU Members' STARTING CLs

Brusilov — Sun, 06 May 2012 18:51:45 GMT

Oh, just to add something quick....NFCU does allow you to product change without hard pull. I've seen a few people post that they've converted cashRewards to the Signature Flagship card.

Re: NFCU Members' STARTING CLs

DaveSignal — Sun, 06 May 2012 19:56:23 GMT

I just opened a NFCU account as well.... for the sole purpose of applying for the nRewards card. I want nRewards. It has a low APR. This doesn't matter that much if you don't carry a balance, but I like rewards cards (can pick either merchandise or cash as rewards). I have previously switched my USAA cash rewards to USAA rewards because I like collecting points. I am not going to spend the $10000 requred to get the extra benefit of cash Rewards. Lastly, the card looks cool.

Re: NFCU Members' STARTING CLs

Whereis750 — Mon, 07 May 2012 13:44:58 GMT

Thanks guys for all the replies! Great info! Gotta love NFCU :-)

Re: NFCU Members' STARTING CLs

Anonymous — Mon, 07 May 2012 19:35:35 GMT

Conversation between the DW and I this morning:

Me: Sometimes I go to Navyfed.com and just log into their website and sit there.

DW: sigh ... you are the lamest of the lame

Re: NFCU Members' STARTING CLs

Whereis750 — Mon, 07 May 2012 18:08:32 GMT

YAY! Not the only one! Though, I'm worse, I don't even have a log in yet, and I'm doing that!

Re: NFCU Members' STARTING CLs

oracles — Mon, 07 May 2012 18:10:20 GMT

@Whereis750 wrote:
YAY! Not the only one! Though, I'm worse, I don't even have a log in yet, and I'm doing that!

This was hilarious lmaoooooo

I am so jealous of you guys lol

Re: NFCU Members' STARTING CLs

webhopper — Mon, 07 May 2012 19:32:32 GMT

@oracles wrote:
@Whereis750 wrote:
YAY! Not the only one! Though, I'm worse, I don't even have a log in yet, and I'm doing that!
This was hilarious lmaoooooo

I am so jealous of you guys lol

I totally log in, just to log in and stare

My fiance just got approved for $2500 starting limit... I'm so pleased.. considering he has a very recent settled CO... The CO was settled at the end of Feb. with Citi. Normally we would have just paid this, but considering that his ex wife opened the account without his knowlege and bought her boyfriend a motorcycle using the account... we felt no shame in settling for 3k. In oklahoma the spouse is allowed to apply for credit in the other's name.

Re: NFCU Members' STARTING CLs

Anonymous — Mon, 07 May 2012 19:35:08 GMT

@webhopper wrote:
@oracles wrote:
@Whereis750 wrote:
YAY! Not the only one! Though, I'm worse, I don't even have a log in yet, and I'm doing that!
This was hilarious lmaoooooo

I am so jealous of you guys lol
I totally log in, just to log in and stare

My fiance just got approved for $2500 starting limit... I'm so pleased.. considering he has a very recent settled CO... The CO was settled at the end of Feb. with Citi. Normally we would have just paid this, but considering that his ex wife opened the account without his knowlege and bought her boyfriend a motorcycle using the account... we felt no shame in settling for 3k. In oklahoma the spouse is allowed to apply for credit in the other's name.

Go Joey!

Re: NFCU Members' STARTING CLs

webhopper — Mon, 07 May 2012 19:37:03 GMT

Yep we set up his VA disability to start DD as of June 1, 2012... so hopefully with the DD going, and responsible usage, we can see increases in the future. I"m just glad he was approved, and we didn't have to settle for a secured nRewards.

Re: NFCU Members' STARTING CLs

oracles — Mon, 07 May 2012 19:40:10 GMT

stop it, i am s ojealous lmaooo

Anyone want to adopt me so i can qualify? lol

Re: NFCU Members' STARTING CLs

webhopper — Mon, 07 May 2012 19:41:06 GMT

@oracles wrote:
stop it, i am s ojealous lmaooo

Anyone want to adopt me so i can qualify? lol

Marry a member or join the gaurd

Re: NFCU Members' STARTING CLs

oracles — Mon, 07 May 2012 19:42:45 GMT

@webhopper wrote:
@oracles wrote:
stop it, i am s ojealous lmaooo

Anyone want to adopt me so i can qualify? lol
Marry a member or join the gaurd

My girlfriend would kill me and i am too old to join now lol