topic Re: Finally in with NFCU!! in Credit Cards

Finally in with NFCU!!

Anonymous — Tue, 10 Jul 2012 23:35:55 GMT

It finally dawned on me that my sis-in-law's brother was active Navy! He joined, she joined, I joined! I'm really excited. Now I just have to convince myself to continue gardening until January as I planned before apping for a card. But I'm soooooo tempted!

Re: Finally in with NFCU!!

webhopper — Tue, 10 Jul 2012 23:38:06 GMT

Just app, there is no point in waiting with nfcu.

Re: Finally in with NFCU!!

Anonymous — Tue, 10 Jul 2012 23:42:28 GMT

I agree. Just app. Get that account to start aging as soon as possible.

Re: Finally in with NFCU!!

webhopper — Tue, 10 Jul 2012 23:42:53 GMT

Congrats on joining the NFCU fam by the way!

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 00:14:39 GMT

Thanks guys!

I guess I will go ahead and see what happens. Will keep you informed!

Re: Finally in with NFCU!!

LS2982 — Wed, 11 Jul 2012 00:15:35 GMT

Fingers crossed for you!!!! You should get a nice CL to start with!!

Re: Finally in with NFCU!!

RockinRay — Wed, 11 Jul 2012 00:19:27 GMT

Awesome - congrats! I hope you get an excellent line from them!

I wish there was a way that we could get in that CU for sure.

Re: Finally in with NFCU!!

webhopper — Wed, 11 Jul 2012 00:43:25 GMT

keep us updated, they usually do not do instant approvals so it might take a few days. get discouraged if you get the message that says your application needs further processing.

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 00:58:47 GMT

okay, so just to be clear:

4 new accounts opened in last 2 months

30% utility currently

lots of inquiries related to auto purchase in january

You guys still think I should app now?

I am paying off my credit card balances on Friday if that matters. I really just want a decent limit, something I can run all of my monthly expenses through. My credit worthiness is just beginning to get to par, so I'd be happy with a $5000 limit.

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 01:02:34 GMT

If you think you can get your util down, then wait for that to report to credit report so you might be month out from apping. I think you will get card in either case, but higher FICO might mean higher limit. Up to you.

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 01:07:37 GMT

Thanks, Crashem. I'm paying down the balances on Friday, so I think it may be worth it to wait for them to post. At least I'm now a member!

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 01:09:32 GMT

@Anonymous wrote:
If you think you can get your util down, then wait for that to report to credit report so you might be month out from apping. I think you will get card in either case, but higher FICO might mean higher limit. Up to you.

It is much better to come to a credit card company looking your best in every way in order to get the very best from them. If you can wait till your lowered utilization reports, which will increase your FICO®, before you app, that would do you the most good.

I wish you the best!

Re: Finally in with NFCU!!

gettnthere — Wed, 11 Jul 2012 01:13:38 GMT

congrats on the membership! and def. keep us informed on your app for their cc. id really be interested in hearing your CL, as i am hoping to become a memeber and app for the card in the next 3 months

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 02:01:31 GMT

Now I see that I'm "pre-selected" for a cashrewards card....

Re: Finally in with NFCU!!

webhopper — Wed, 11 Jul 2012 02:05:57 GMT

Yep; you'll get it too I applied after getting that pre selected banner they gave me a 22k cl

Re: Finally in with NFCU!!

ceejx — Wed, 11 Jul 2012 02:06:51 GMT

@Anonymous wrote:
Now I see that I'm "pre-selected" for a cashrewards card....

That could have been what I saw.. thought it said pre-approved, but I was too excited so I guess I could have mistaken!

Re: Finally in with NFCU!!

Anonymous — Wed, 11 Jul 2012 02:07:44 GMT

Oh, I can imagine! I would have passed out on my keyboard lol

Re: Finally in with NFCU!!

webhopper — Wed, 11 Jul 2012 02:14:45 GMT

I think mine said pre-approved...

Re: Finally in with NFCU!!

Anonymous — Thu, 12 Jul 2012 06:58:57 GMT

Well come on what are you waiting for do it!!!

Let us know!!

Re: Finally in with NFCU!!

Anonymous — Thu, 12 Jul 2012 09:03:56 GMT

@Anonymous wrote:
Well come on what are you waiting for do it!!!

Let us know!!

i believe the op was approved for a 5k limit given thats what his sig now reads lol