topic Re: NFCU: We were A-P-P-R-O-V-E-D in Credit Cards

NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 19:58:03 GMT

I will not type in all caps because that is rude but I will preface this by saying that I AM SCREAMING inside right now!!! I applied for the NFCU card last week, right? Remember? Anyone? Our app has been in review SINCE FRIDAY when I applied. I called today to find out what the heck was going on... and we were approved!!!! 13.9% APR, $15,000 CL!!!! I asked for $3500!!!!! WOOOOHOOOOO! This should do some damage to our scores! YAY~ This is SO COOL! MYFICO - if it weren't for this forum, I never would have even know that I COULD apply! You are ALL the BEST!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:04:10 GMT

$15K?!! Yowzas! Welcome to the big time, ivy! Congrats!!!!!!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:05:06 GMT

I am currently awaiting a reply from these guys myself. If you don't mind me asking, what are your scores? They told me they pull EQ.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:06:50 GMT

DUDE!! this is SO MUCH more than I was expecting! Our first major CC!!! I think this just might help our utilization ;-) I really don't want another cc, but I hear so many people say that 3-4 is optimal, and once you have that first one showing on your CR, others just fall in line! **DON'T want an apping spree, but DO want to blow our scores sky-high :-D I will wait 3-4 months, though. PROMISE!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:09:32 GMT

Fretless- they do pull EQ, and only EQ. The inq had posted by Monday, and we app'd Friday afternoon. DH's EQ was 612 and that's the one they pulled. Our score is less than prime (to say the least), but I think it was negated by him having a long history with them (been a member for 15 yrs) and both our car and a $5K personal loan are currently financed through them. EQ: 612 TU: 634 EX: 605

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:11:21 GMT

That's a spectacular CL also! Congrats!

Hopefully I can get something similar with my LOC application.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:13:03 GMT

Good grief ivy! Super duper congrats! WTG! A fantastic opening cl.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 20:19:17 GMT

THANK YOU THANK YOU EVERYONE! Before this, DH had only ever had two credit cards.. a Cap1 with $850 and a Cap1 with $450. Both closed in '02. And i only ever had one cc, a Suntrust MC for $1100!!! I TOTALLY did not expect this! I am sooo in love with NFCU right now!

Re: NFCU: We were A-P-P-R-O-V-E-D

haulingthescoreup — Wed, 26 Mar 2008 22:08:21 GMT

@Anonymous wrote:
I will not type in all caps because that is rude but I will preface this by saying that I AM SCREAMING inside right now!!! I applied for the NFCU card last week, right? Remember? Anyone? Our app has been in review SINCE FRIDAY when I applied. I called today to find out what the heck was going on... and we were approved!!!! 13.9% APR, $15,000 CL!!!! I asked for $3500!!!!! WOOOOHOOOOO! This should do some damage to our scores! YAY~ This is SO COOL! MYFICO - if it weren't for this forum, I never would have even know that I COULD apply! You are ALL the BEST!

Of course I remember you app'ing! I thought it was pretty funny that all you asked was $3,500 --I'll bet they're never had a request that low before.

Congrats on the card! What a great way to turn the page and start a new credit life.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Wed, 26 Mar 2008 22:59:04 GMT

hauling-
heehee.. I'm still such a newbie, huh?

After we applied, I went to their online center into the "other services" section and wrote an email regarding the application.. basically explained that we were working on myFICO and I had learned that we didn't have any major cc in our util mix... and that ***KEY STATEMENT*** I was doing all this work because I wanted our scores as pretty as possible for when we bought a hope through NFCU in 6-9 months!!! I think maybe that helped a bit!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 00:50:33 GMT

BUMPING this for the evening crowd I'm not taking off this paper crown for quite some time, folks!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 01:37:23 GMT

Congratulations, I think that's amazing!!! Going from two cards with both less than $1000 to $15,000?!?!! That's just crazy... my hubby use to do business with them when he was in the Navy. Do you have to be a member of the CU to apply for that card? I'm not interested right now, just for future references.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 01:52:10 GMT

The CU number is 888-842-6328. Or, visit them at www.navyfcu.org -- you can see if there's a branch near where you live there.

Good luck! This was so far beyond my expectations

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 01:57:38 GMT

Congrats That's absolutely awesome, and that reminded me to PM you too!

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 02:07:34 GMT

Very nice Ivy!!!!!!

That is a great CL. You should have smooth sailing from here on out. Congrats!!!

Re: NFCU: We were A-P-P-R-O-V-E-D

nathan — Thu, 27 Mar 2008 14:14:11 GMT

WTG. I know how you feel. I felt the same waythis week when i was proved for 15k and got a cli from my other card from 1k to 5k from navyfed. Available credit went from 2800k to 21800k. Don't forget to update WGMC.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 14:45:24 GMT

I have a question regarding NFCU. My spouse's father(deceased) was a WWII navy veteran, but not a retiree. He was only in for the war duration, then honorably discharged.

Would a surviving child of a veteran be eligible for NFCU?

Re: NFCU: We were A-P-P-R-O-V-E-D

myfico5378 — Thu, 27 Mar 2008 14:55:54 GMT

Sylviatob wrote:
I have a question regarding NFCU. My spouse's father(deceased) was a WWII navy veteran, but not a retiree. He was only in for the war duration, then honorably discharged.

Would a surviving child of a veteran be eligible for NFCU?

Good question! I was wondering that myself. My Grandfather that died when my Dad was 17 was a navy vet and honorably discharged, but not retired. I'm wondering if I could use that as my link. I looked at their website and didn't see anything about discharged navy vets.

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 14:56:03 GMT

Sylvia,

I'm not sure how that would work. But you should be able to get an answer at the 888- number I listed above.

The recording will say "inquiries on existing accounts, press (SOME NUMBER)" "To open a new account, press (SOME NUMBER)" Just give them a call. They are open 24-hrs/day

Re: NFCU: We were A-P-P-R-O-V-E-D

Anonymous — Thu, 27 Mar 2008 15:06:29 GMT

Many thanks ivy! I think I'll give them a call right now. I'll post the results of my conversation later.