topic Re: NFCU Question in Credit Cards

NFCU Question

hersheykisses — Mon, 25 Mar 2013 19:53:47 GMT

Should i apply for credit card and line of credit now (current score 644 eq) i realize my limit will be low but they do have a "luv" button and im sure it would increase over time. OR shall i wait until the end of the year when my score will go up and all my inquiries will be off, then i will get a higher limit to start with. THOUGHTS?????

Re: NFCU Question

jobber123rd — Mon, 25 Mar 2013 20:03:17 GMT

@kerbear1969 wrote:
Should i apply for credit card and line of credit now (current score 644 eq) i realize my limit will be low but they do have a "luv" button and im sure it would increase over time. OR shall i wait until the end of the year when my score will go up and all my inquiries will be off, then i will get a higher limit to start with. THOUGHTS?????

Not necessarily. (Case in point) NFCU is notorious for giving high CLs.

Re: NFCU Question

j_casteel — Mon, 25 Mar 2013 20:09:58 GMT

Myself and many others find there is no need to wait to apply when it comes to NFCU.

Good Luck

Re: NFCU Question

webhopper — Mon, 25 Mar 2013 20:24:57 GMT

There is not a good reason to wait in my honest opinion

Re: NFCU Question

hersheykisses — Mon, 25 Mar 2013 20:29:09 GMT

thanks to those that have responded, i will keep you posted. Im going to wait until next month reason being is my CL just got increased on my Macys American Express to 5k from 1500 and store card from 1200 to 2K, the utilization will look better than my current 67%.

Re: NFCU Question

Anonymous — Mon, 25 Mar 2013 20:29:23 GMT

There is no reason to wait

Re: NFCU Question

Anonymous — Mon, 25 Mar 2013 20:30:02 GMT

To be honest it wont matter with NFCU

Re: NFCU Question

hersheykisses — Mon, 25 Mar 2013 20:31:08 GMT

Hmmm interseting well then my question would be apply online or via phone?

Re: NFCU Question

Anonymous — Mon, 25 Mar 2013 20:33:48 GMT

You got to realize one thing with NFCU what ever standards that have been set by other lenders, you can throw it out the window with NFCU, there simply the most generous of the credit card world look at my siggy. Just app online you may get the 5-7 day message but I wouldnt worry.

Re: NFCU Question

starry1 — Mon, 25 Mar 2013 20:49:46 GMT

Adding one more vote to "no reason to wait with NFCU".

Re: NFCU Question

dddfresh — Mon, 25 Mar 2013 20:54:20 GMT

Now. Call in. Going to be two hard pulls. Prpare to verify income on LOC. ymmv. Vert very generous

Re: NFCU Question

Anonymous — Mon, 25 Mar 2013 20:59:13 GMT

My score was 659 with a couple of baddies when I joined a few weeks ago. I was pre-approved for the siggy cashRewards ($18K) I also refinanced the remaining $11K auto loan and got a $3k NavCheck.

I can't wait to get my VA Home Loan through them next year

Re: NFCU Question

hersheykisses — Mon, 25 Mar 2013 22:33:05 GMT

Well got the 3-5 day message, spoke to representative they said probably an issue because exquifax is locked, was hoping they would pull transunion.

Re: NFCU Question

starry1 — Mon, 25 Mar 2013 22:36:50 GMT

I got the 3-5 day message, they just wanted me to bring in documents to prove who I am and where I live. Call in the morning and ask what's up.

Re: NFCU Question

Anonymous — Mon, 25 Mar 2013 22:37:53 GMT

@kerbear1969 wrote:
Well got the 3-5 day message, spoke to representative they said probably an issue because exquifax is locked, was hoping they would pull transunion.

Thats like apping for AMEX with your experian frozen, not going to happen. Unlock your Equifax and app there 99% likely not going to pull transunion

Re: NFCU Question

hersheykisses — Tue, 26 Mar 2013 00:43:36 GMT

Well they SP transunion when i joined so i just figured they would run a HP through them, guess not.

Re: NFCU Question

j_casteel — Tue, 26 Mar 2013 02:31:57 GMT

they pull EQ 99% of the time for cards, etc.

like mentioned unfreeze your EQ and then try again.

Re: NFCU Question

Rhaeny — Tue, 26 Mar 2013 02:35:51 GMT

Yea you can't trick NFCU into pulling the bureau of your choice. It's EQ for credit products and TU for memberships. Unfreeze your EQ and you'll be fine getting approved.

Re: NFCU Question

webhopper — Tue, 26 Mar 2013 03:28:32 GMT

Fyi, I apped nfcu with eq frozen and they were able to pull TU which helped me because I spread my nfcu HPs between two bureaus

Re: NFCU Question

webhopper — Tue, 26 Mar 2013 03:30:42 GMT

So ya, they pulled TU for membership, credit card, and auto refi. They pulled EQ for LOC and new car loan