topic Re: NFCU does rock! in Credit Cards

NFCU does rock!

Anonymous — Wed, 02 Apr 2008 17:19:29 GMT

I just got off the phone with their status department. After waiting an entire week, they finally approved me for a Platinum MasterCard with a $10,000 CL and a LOC for $10,000 also.

This rules. Since I am getting ready to switch jobs I figured it would be a good time to switch credit unions as well. My current CU showed me no love whatsoever, and wouldn't even approve me for a credit card.

NFCU rules!

To top it off, I just checked my TC and my most recent collection was deleted, as well as a 60 and 90 day lates from student loans. My Direct Service GW letter worked!

Score boost from 650->680 on TU today! Hooray!

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 17:21:28 GMT

Guess who's having the best week ever (well, day anyway)?? FretlessMayhem!!

Congrats!!!

NFCU is the BEST!

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 17:40:58 GMT

What a good day! Congrats

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 17:56:49 GMT

Yeah!Yeah! Wonderful Cl with great people nfcu really does rock.....Congrats.

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 18:36:05 GMT

Yeah, it's pretty awesome. Even though they took a week instead of 24 hours, a $10,000 LOC and $10,000 rules.

Does anyone know if they will CLI on activation?

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 19:47:56 GMT

Super congrats F.M.! You deserve it! And a new job??? What a great week you are having!

Re: NFCU does rock!

ShinyGirl — Wed, 02 Apr 2008 21:09:01 GMT

YEAH for YOU!!! You know, I kept you in my thoughts. As I was getting approved for not one, but two cards in 24 hour's time for each...I wondered if you'd been approved and just not posted.

I'm glad you got good news.

On another note, send some more vibes my way: I applied for the LOC, but only for $3000. I want that so that I can move everything over and make NFCU my main credit union. My main banking is with another CU...but I don't think they love me like I used to love them. My blind love ended for them in February. But it was only a love of convenience LOL.

Anyway, I called NFCU to see if they had to do another pull to do the app...and *sigh* they do. Oh well: after all this is taken care of, my files and scores will have time to sit and rest to rebound.

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 21:16:58 GMT

@ShinyGirl wrote:
YEAH for YOU!!! You know, I kept you in my thoughts. As I was getting approved for not one, but two cards in 24 hour's time for each...I wondered if you'd been approved and just not posted.

I'm glad you got good news.

On another note, send some more vibes my way: I applied for the LOC, but only for $3000. I want that so that I can move everything over and make NFCU my main credit union. My main banking is with another CU...but I don't think they love me like I used to love them. My blind love ended for them in February. But it was only a love of convenience LOL.

Anyway, I called NFCU to see if they had to do another pull to do the app...and *sigh* they do. Oh well: after all this is taken care of, my files and scores will have time to sit and rest to rebound.

I got 2 inqs also, but I didn't mind as FICO should still consider it 1 inq.

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 21:19:25 GMT

Yeah, thanks to everyone who kept me in their thoughts. This comes as a surprise to me, as I am just some guy on the internet.

Not only did I get a new job, I actually got a raise (5 percent, but that's still a raise)! So it has indeed been a good week for me. I'm starting to worry that I may have overextended myself credit wise.

Re: NFCU does rock!

ShinyGirl — Wed, 02 Apr 2008 21:38:25 GMT

@Anonymous wrote:
Yeah, thanks to everyone who kept me in their thoughts. This comes as a surprise to me, as I am just some guy on the internet.

Not only did I get a new job, I actually got a raise (5 percent, but that's still a raise)! So it has indeed been a good week for me. I'm starting to worry that I may have overextended myself credit wise.

You can only overextend yourself if you MAX it out and can't pay it. Having it available is just that.

I have to admit that looking at $30K of new credit available, in addition to what I already had, is slightly daunting. However, perspective means knowing I don't have to go out and charge everything. Perspective means only charging that which I can PIF or PIF in a short amount of time. Being prudent means taking care of the credit I have gotten, getting new credit from here ONLY if it will benefit me, truly, in some way or another and not just because I can.

Adopt an attitude similar to that, and you should be okay.

Re: NFCU does rock!

Anonymous — Wed, 02 Apr 2008 21:40:31 GMT

@ShinyGirl wrote:

@Anonymous wrote:
Yeah, thanks to everyone who kept me in their thoughts. This comes as a surprise to me, as I am just some guy on the internet.

Not only did I get a new job, I actually got a raise (5 percent, but that's still a raise)! So it has indeed been a good week for me. I'm starting to worry that I may have overextended myself credit wise.

You can only overextend yourself if you MAX it out and can't pay it. Having it available is just that.

I have to admit that looking at $30K of new credit available, in addition to what I already had, is slightly daunting. However, perspective means knowing I don't have to go out and charge everything. Perspective means only charging that which I can PIF or PIF in a short amount of time. Being prudent means taking care of the credit I have gotten, getting new credit from here ONLY if it will benefit me, truly, in some way or another and not just because I can.

Adopt an attitude similar to that, and you should be okay.

I do have an attitude like that. I opened up about 70k in credit the past 2 months. However, I run all of my cash through my Amex Green so it kind of forces me not to charge anything I can't pay back immediately.

I still want a Discover card...

Re: NFCU does rock!

Anonymous — Thu, 10 Apr 2008 17:00:51 GMT

I see that NFCU is very good in CL on CC and would like to apply. Only member of family that was in Navy and Marines (15years) was my grandfather and he has past away couple years ago, can he still be used or to late? Other military members are my father and me which are retired Army.

Thanks for help

Re: NFCU does rock!

Anonymous — Thu, 10 Apr 2008 17:48:36 GMT

antsmith101 wrote:
I see that NFCU is very good in CL on CC and would like to apply. Only member of family that was in Navy and Marines (15years) was my grandfather and he has past away couple years ago, can he still be used or to late? Other military members are my father and me which are retired Army.

Thanks for help

Wish I had good news for you. My brother, who served in the Navy, can't even get in. He was told that you have to either be active in the service, or out of the service no more than 18 months. I was hoping to piggy-back on him for membership the way he did with my NASA CC account. Oh, well.

Re: NFCU does rock!

REgnlor — Thu, 10 Apr 2008 18:15:08 GMT

That does rock, WTG!!!!

Re: NFCU does rock!

Anonymous — Thu, 10 Apr 2008 19:33:07 GMT

We were able to get in because my husband is honorably discharged and is considered disabled. The way the rep told us is that as long as he still has ties to the military (in our case through the VA) then you are eligible. Also, I heard that NFCU will be opening its membership to all DOD people this month. But don't quote me, I'm not quite sure.

Re: NFCU does rock!

Anonymous — Thu, 10 Apr 2008 19:35:53 GMT

Lyyssa wrote:
We were able to get in because my husband is honorably discharged and is considered disabled. The way the rep told us is that as long as he still has ties to the military (in our case through the VA) then you are eligible. Also, I heard that NFCU will be opening its membership to all DOD people this month. But don't quote me, I'm not quite sure.

Would you happen to know if that would include DOD suppliers and subcontractors?

Re: NFCU does rock!

Anonymous — Thu, 10 Apr 2008 19:42:43 GMT

Sorry, I don't know. What I read just mentioned DOD employees.

Re: NFCU does rock!

Anonymous — Sat, 11 Apr 2009 00:24:43 GMT

I just called in an joined over the phone. My qualification was due to "prior military service: current status: veteran"

I was active duty army for 3 years in the infantry. Kevin said that was all I needed, took my info, gave me my Access number, account number and the ABA routing so that I can wire a deposit.

So, don't look at what their online application says....obviously it has not been updated to reflect what they can do on the phone.

I wish I had known this before I went with PenFed....although PenFed did approve me for $10k Visa Travel Reward.