topic Re: NFCU in Credit Cards

NFCU

KoolDev — Wed, 16 Oct 2013 22:30:08 GMT

I was able to join NFCU ! I do work on the base and all they needed was my contractor badge........ I spent an hour in the office today getting set up. I cam home went through my reports again after the loan officer there told me they like to use Experian. I had this Credit One card with about 330 bucks on it and decided to apply for a NFCU rewards card. I knew it was going to be a denial after Citi laughed at me last week. I entered the information, sighed and hit the button. I was prepared for the denial.........

It says you've been approved for 17.5k 11.4 interest................ My jaw dropped........

Congratulations! Based on your creditworthiness, you have been approved for a Signature cashRewards Visa. Your credit line will be $17,500.00. Your APR will be prime plus 11.4. You should receive your new card(s) in 7-10 business days.

I have only been working on my credit repair for 45 days.......... I am speechless....... No I am not planning on spending it up, but it feels good that if I ever needed it, i could pull it out of a drawer and use it..........

Re: NFCU

myjourney — Wed, 16 Oct 2013 22:32:38 GMT

Congrats nice limit

Re: NFCU

FinStar — Wed, 16 Oct 2013 22:36:28 GMT

Very nicely done OP. Hard work pays off for sure! It's funny and coincidental that you got approved for the same CL that I did on my OCCU Duck Visa.

Re: NFCU

KoolDev — Wed, 16 Oct 2013 22:40:24 GMT

I guess its time to get rid of the credit one card for sure.......... would it be benificial or possible for Cap 1 to roll those two cards I have with them into 1 and i wonder if that will affect the AAoA.

Re: NFCU

chris1960 — Wed, 16 Oct 2013 22:42:23 GMT

Congrats...Credit Unions show the love for thier members.

Re: NFCU

FinStar — Wed, 16 Oct 2013 22:58:11 GMT

@KoolDev wrote:
I guess its time to get rid of the credit one card for sure.......... would it be benificial or possible for Cap 1 to roll those two cards I have with them into 1 and i wonder if that will affect the AAoA.

That Credit One CC has its days numbered it seems. Unfortunately, Capital One is unable to combine CLs or CCs, probably best to just leave them as is (depending on annual fee(s) and any customary usage you place on them). They used to be able to combine accounts several years ago so it's possible that maybe in the not-so-distant future they can revisit that CC consolidation policy.

Re: NFCU

jgodfrey82 — Wed, 16 Oct 2013 23:18:33 GMT

Good job!

Re: NFCU

KoolDev — Wed, 16 Oct 2013 23:24:41 GMT

Ya the Credit One card is on its way out !.. I do have to thank them for giving me a chance.....

Well the cap 1 cards are fine to be left alone. Was a thought tho lol

Re: NFCU

Scupra — Thu, 17 Oct 2013 01:08:16 GMT

Probably should do the LOC at the same time

Re: NFCU

KoolDev — Thu, 17 Oct 2013 01:14:54 GMT

Hadnt thought about that. lol