topic Re: Joined NFCU-App'd for CC-What are approval odds? in Credit Cards

EDIT:Joined NFCU and Approved!!!!

Rhaeny — Sat, 22 Dec 2012 17:07:58 GMT

So yea I read a thread about eligibilty requirements and found out that I was able to join through my mom who is eligible but not a member. But I didn't know that it was an hp on membership (silly me). I got all of my info to login to my accounts so I'm all set with that. But then I was thinking, oh well, I've had to take an hp so I might as well app. Pulled the trigger but got the 3 to 5 day message. I know this message can be good or bad. But what do you think my odds are of approval and how much?

I've got a couple of dings though, like a bk from 2007 and 10 new TL's (see siggy) since Sept 1st. Yea I know that's bad, but a few of them came from the shopping cart trick (wish I had never done that), and then of course the rest were apps spread across all 3 CRA's.

Baddies: Record of bk, and 3 to 4 accounts (depending on CRA) IIB that will fall off by May 2013 (7 years).

Scores: EQ 702, TU 674, EX 713

AAOA: EQ 6.8, TU 6.5, EX 5.4

Utilization: 15%

Inquiries: EQ 4, TU 9, EX 5 (all inq since 6/1/2012)

Income: $88K

Anyone have any thoughts? I just can't stand the anticipation

EDIT: Approved for $2K....low limit but my foot is in the door and all I need is time and I'm sure this will increase significantly.

On to the garden.......

Re: Joined NFCU-App'd for CC-What are approval odds?

webhopper — Sat, 22 Dec 2012 03:43:22 GMT

Your chance of approval is 100%

Fyi; all apps with nfcu result in a 3-5 day message because they manually review them.
There is a place to check your apprication status. That's where I would go look!

Re: Joined NFCU-App'd for CC-What are approval odds?

jsickz32 — Sat, 22 Dec 2012 03:48:09 GMT

I got an instant approval apping on the phone

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 03:56:04 GMT

@webhopper wrote:
Your chance of approval is 100%

Fyi; all apps with nfcu result in a 3-5 day message because they manually review them.
There is a place to check your apprication status. That's where I would go look!

I sure hope so. Did you see where I explained the part with 10 new TL's since Sept 1st? I think that is what I'm most worried about.

And also, I don't get why they didn't ask me for my mom's ss# or any other identifying information to validate her status as part of the military. The csr said that I didn't need it, but I just don't believe that can be true.

Re: Joined NFCU-App'd for CC-What are approval odds?

j_casteel — Sat, 22 Dec 2012 04:12:07 GMT

my wife and I both just joined recently as well. We app'd for the cashRewards card the day we got our online access. I got the 3-5 day message and was approved for an $8k visa siggy the next day. My wife was instantly approved for a $10k visa siggy. Both of us have several new TL's this year as well. I expect you to have a new account added soon for your new card. FYI, remember that NFCU is pull happy. They pulled TU the day I joined, and then TU & EQ the next day for the card.

Good luck!

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 04:20:49 GMT

@j_casteel wrote:
my wife and I both just joined recently as well. We app'd for the cashRewards card the day we got our online access. I got the 3-5 day message and was approved for an $8k visa siggy the next day. My wife was instantly approved for a $10k visa siggy. Both of us have several new TL's this year as well. I expect you to have a new account added soon for your new card. FYI, remember that NFCU is pull happy. They pulled TU the day I joined, and then TU & EQ the next day for the card.

Good luck!

Well that's just awesome the both of you got it and those are nice CL's. I keep reading about how you can get CLI's so it seems like a great card that will grow with you so congratulations!

Yes they pulled TU for the membership and EQ for the credit app. I thought that the membership was a sp so I was a little shocked and that's what made me app now instead of waiting like I had planned until July of next year. I hope it works out for me great for me too! It just sucks waiting over the weekend, even though I have read that people have been contacted over the weekend from them. We shall see and I will post back when I get the news...nails bitting

Re: Joined NFCU-App'd for CC-What are approval odds?

j_casteel — Sat, 22 Dec 2012 04:31:12 GMT

@Rhaeny wrote:
@j_casteel wrote:
my wife and I both just joined recently as well. We app'd for the cashRewards card the day we got our online access. I got the 3-5 day message and was approved for an $8k visa siggy the next day. My wife was instantly approved for a $10k visa siggy. Both of us have several new TL's this year as well. I expect you to have a new account added soon for your new card. FYI, remember that NFCU is pull happy. They pulled TU the day I joined, and then TU & EQ the next day for the card.

Good luck!
Well that's just awesome the both of you got it and those are nice CL's. I keep reading about how you can get CLI's so it seems like a great card that will grow with you so congratulations!

Yes they pulled TU for the membership and EQ for the credit app. I thought that the membership was a sp so I was a little shocked and that's what made me app now instead of waiting like I had planned until July of next year. I hope it works out for me great for me too! It just sucks waiting over the weekend, even though I have read that people have been contacted over the weekend from them. We shall see and I will post back when I get the news...nails bitting

What I did b/c I'm so impatient was just logged in the next morning and i seen the visa siggy account added to my list of accounts, and that was before any other notification. So i would just check it tomorrow morning and see or just log in and check the status of the app itself. You can always call them 24/7 even through the holidays.

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 04:50:58 GMT

@j_casteel wrote:

What I did b/c I'm so impatient was just logged in the next morning and i seen the visa siggy account added to my list of accounts, and that was before any other notification. So i would just check it tomorrow morning and see or just log in and check the status of the app itself. You can always call them 24/7 even through the holidays.

The loan department is available 24/7? That's good to know. But yea, I will login and check tomorrow morning and see if anything good pops up! I couldn't help but login in a few minutes....you know....just in case (wink, wink).

Re: Joined NFCU-App'd for CC-What are approval odds?

j_casteel — Sat, 22 Dec 2012 05:04:22 GMT

@Rhaeny wrote:
@j_casteel wrote:
What I did b/c I'm so impatient was just logged in the next morning and i seen the visa siggy account added to my list of accounts, and that was before any other notification. So i would just check it tomorrow morning and see or just log in and check the status of the app itself. You can always call them 24/7 even through the holidays.
The loan department is available 24/7? That's good to know. But yea, I will login and check tomorrow morning and see if anything good pops up! I couldn't help but login in a few minutes....you know....just in case (wink, wink).

yeah, i was assured when i joined by the new accounts lady going over everything. she mentioned that they was someone there to answer and help us out 24/7 365 even through the holidays.

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 17:08:43 GMT

Called this morning and approved for $2K....boy is that low but its a start!

Re: Joined NFCU-App'd for CC-What are approval odds?

Scupra — Sat, 22 Dec 2012 18:15:11 GMT

Congrats! I am sure your card will grow quickly!

Re: Joined NFCU-App'd for CC-What are approval odds?

MountainHiker — Sat, 22 Dec 2012 21:44:14 GMT

@Rhaeny wrote:
Called this morning and approved for $2K....boy is that low but its a start!

Congratulations!! Now that you are in with a good starting limit you will see that limit grow very fast.

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 21:57:34 GMT

@MountainHiker wrote:
@Rhaeny wrote:
Called this morning and approved for $2K....boy is that low but its a start!
Congratulations!! Now that you are in with a good starting limit you will see that limit grow very fast.

Aww thanks MountainHiker!! And what are you waiting on to join? Get in there!!

Honestly I can't believe that I was eligible all of this time....talk about stupid. If only I had known this when I was discharged I would have hit them up first, and then DCU and forgot about all of those little store cards....except Macy's LOL!!! Ahhh but we live and learn so all I can do is move on.

BTW, hp on TU for membership and hp on EQ for credit.

Re: Joined NFCU-App'd for CC-What are approval odds?

MountainHiker — Sat, 22 Dec 2012 22:44:51 GMT

You are doing very well building your credit and you should be proud of your self. The plan is to join NFCU after my sister gets in near the 1st of january. I'm about to relocate from HOT central florida to the scenic state of North Carolina. Should go after membership in a few weeks once I get to NC. Looking forward to living in the mountains.

Re: Joined NFCU-App'd for CC-What are approval odds?

Rhaeny — Sat, 22 Dec 2012 23:04:14 GMT

@MountainHiker wrote:
You are doing very well building your credit and you should be proud of your self. The plan is to join NFCU after my sister gets in near the 1st of january. I'm about to relocate from HOT central florida to the scenic state of North Carolina. Should go after membership in a few weeks once I get to NC. Looking forward to living in the mountains.

FYI, part of the membership requirements does NOT require the relative to be a member. My parents are not members but their status makes me eligible so I didn't need for either of them to have an open account first. However, in case they require it, you will need thier ss# and I think they said dd-214 (whatever that is). So just wanted to let you know.

Re: Joined NFCU-App'd for CC-What are approval odds?

MountainHiker — Sat, 22 Dec 2012 23:20:11 GMT

@Rhaeny wrote:
@MountainHiker wrote:
You are doing very well building your credit and you should be proud of your self. The plan is to join NFCU after my sister gets in near the 1st of january. I'm about to relocate from HOT central florida to the scenic state of North Carolina. Should go after membership in a few weeks once I get to NC. Looking forward to living in the mountains.
FYI, part of the membership requirements does NOT require the relative to be a member. My parents are not members but their status makes me eligible so I didn't need for either of them to have an open account first. However, in case they require it, you will need thier ss# and I think they said dd-214 (whatever that is). So just wanted to let you know.

Thanks Rhaeny for that info.

My brother inlaw who was in the Navy and is the NFCU member shares a residence at the same place I live. Based on NFCU memership rules he actually could get me in directly without my sister joining. But the move is going to happen by the end of this month and so I thought waiting till I move to NC should be soon enough.Really looking forward to banking with them. Plan to switch most of my savings and checking activity to them.Their CD rates among the highest in the nation.