topic Re: NCFU in Credit Cards

NFCU

improvingmycredit — Fri, 10 Aug 2012 21:39:26 GMT

I just opened a NCFU checking/savings account. After reading so many great things about them, thought I should go ahead and take the plunge. My question: when should I apply for their credit card. I haven't even received any paperwork or online access yet. I did check my reports today and they SP'd EQ for the account opening 2 times. Weird. Everything I've read about them says that they should have HP'd me for the account opening. All I've received so far is an email asking for ss# verification and a copy of my ID which I responded to today. Thanks for your help.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 04:28:19 GMT

Go for it.

Re: NCFU

squirrely2005 — Thu, 09 Aug 2012 04:37:22 GMT

With those scores, go for it. I just got approved today and my scores would have to be about 100 points lower than yours. I stopped using my checking account with them in Jan and they charged off a negative balance. I had no idea it was and I figured I'd get a letter that I got an OD but never did so thought it was fine.

Anyway you'll get it.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 04:38:45 GMT

Go for it! Don't wait. Apply via phone. (they are 24 hours by phone)

Re: NCFU

improvingmycredit — Thu, 09 Aug 2012 04:47:06 GMT

Thanks! Really? I don't even know my account number yet. I will hit them up in the morning then. . Which card do you recommend? Is the Flagship worth the AF? I've been looking for a no foreign exchange fee card to use overseas.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 05:08:39 GMT

If you travel, I've heard good things about the flagship. Otherwise, Cashrewards is really popular.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 05:11:34 GMT

What cards and limits do you have now?

Re: NCFU

webhopper — Thu, 09 Aug 2012 05:18:43 GMT

Yep, don't wait! Call and apply over the phone. You may be able to get your online access set up over the phone

Re: NCFU

improvingmycredit — Thu, 09 Aug 2012 05:29:26 GMT

@ Crashem... Freedom 11K / Amex BCP 18.3K / Citi DP 10K / Amex BSP 10K and a few other smaller limits. Looking to close a few actually if NFCU come up with a over the top limit. AAoA 7+ yrs. Scores are all FICO.

Re: NCFU

improvingmycredit — Thu, 09 Aug 2012 05:21:11 GMT

@ jordanmedical.... Thanks! I appreciate the feedback!

Re: NCFU

improvingmycredit — Thu, 09 Aug 2012 05:27:51 GMT

@ Webhopper... Thanks! I'm going for it in the AM. Feel weird about it because I have nothing but a welcome email. . Still going to go for it. LOL

Re: NCFU

Anonymous — Thu, 09 Aug 2012 05:30:20 GMT

@improvingmycredit wrote:
Freedom 11K / Amex BCP 18.3K / Citi DP 10K / Amex BSP 10K and a few other smaller limits. Looking to close a few actually if NFCU come up with a over the top limit. AAoA 7+ yrs. Scores are all FICO.

I am betting on 25-30ishk line. Since I am not eligible for membership, I have to rely on memory. I believe only their flagship product has no ft and has small af. In terms of rewards, their cards are strictly average. But they are nice to deal with and generous lending standards are what make theyinteresting.

Re: NCFU

improvingmycredit — Thu, 09 Aug 2012 05:33:46 GMT

@ Crashem... Thanks again. Always helpful. I sincerely hope you are correct. That's be amazing.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 05:36:21 GMT

@improvingmycredit wrote:
@ Crashem... Thanks again. Always helpful. I sincerely hope you are correct. That's be amazing.

total guess since I don't knowincome and assuming low utilization.

Re: NCFU

Anonymous — Thu, 09 Aug 2012 05:56:45 GMT

im willing to bet they give you your highest CL. Def let us know the results

Re: NCFU

webhopper — Thu, 09 Aug 2012 14:05:46 GMT

@improvingmycredit wrote:
@ Webhopper... Thanks! I'm going for it in the AM. Feel weird about it because I have nothing but a welcome email. . Still going to go for it. LOL

I've never seen higher than 25k on initial approval... so I'm going to bet on 25k!

My pre-approval for my cashRewards card was made after I'd already sent them investment account statements, bank statements, checking and savings, pay stubs. They knew I had plenty of cash in savings when they gave me a card. When I applied for the card, my checking account balance was 19k

I think that's where the manual review that NFCU does is superior to any other lender. As you can see, none of my other cards even come close to touching my NFCU limit

Re: NCFU

Anonymous — Fri, 10 Aug 2012 00:01:36 GMT

@Anonymous wrote:
Go for it.

Re: NCFU

Anonymous — Fri, 10 Aug 2012 02:59:55 GMT

So what's the verdict?

Re: NCFU

webhopper — Fri, 10 Aug 2012 03:15:37 GMT

I'm thinking that the longer we wait the higher the limit will be. I had to wait til Tuesday and I applied on a sat.

Re: NCFU

Middleswarth — Fri, 10 Aug 2012 03:34:18 GMT

It seems odd to me that you didn't get your online account setup right away. I was signed in within minutes of opening the account. I applied within a few hours for my CC online. I did have to call a rep to get my online access straightened out (I had it setup and must have messed it up somewhere along the line), but the call was quick and the rep was super helpful.