topic Re: NFCU Approval Question in Credit Cards

NFCU Approval Question

OneDay_750 — Fri, 14 Mar 2014 23:39:16 GMT

All,

Which unsecured NFCU CC normally has the best odds of approva, nRewards or GoRewards? I'm in the process of settling a couple of TLs, which I'm hoping will finally boost my scores to the low 600s. Already a NFCU member and I am anxious to get one of their awesome CCs.

My UTL will be below 9% before I apply. Thank you.

Re: NFCU Approval Question

Creditaddict — Sat, 15 Mar 2014 00:22:57 GMT

@OneDay_750 wrote:
All,

Which unsecured NFCU CC normally has the best odds of approva, nRewards or GoRewards? I'm in the process of settling a couple of TLs, which I'm hoping will finally boost my scores to the low 600s. Already a NFCU member and I am anxious to get one of their awesome CCs.

My UTL will be below 9% before I apply. Thank you.

all the exact same except flagship which has minimum of $5k.

Re: NFCU Approval Question

OneDay_750 — Sat, 15 Mar 2014 00:40:34 GMT

Min $5K credit line, meaning higher/better scores needed?

Re: NFCU Approval Question

Creditaddict — Sat, 15 Mar 2014 02:50:53 GMT

@OneDay_750 wrote:
Min $5K credit line, meaning higher/better scores needed?

meaning if you are worried about being approved, don't apply for the only one that requires the $5k min.

Re: NFCU Approval Question

Anonymous — Sat, 15 Mar 2014 03:22:06 GMT

I believe more people get approved for the nRewards. I got approved for $10K last year with a 632. NFCU took a chance on me and since then I've gotten approved for Discover iT, CSP, Citi TYP, AMEX Delta Gold and BCP. Good luck to you!

Re: NFCU Approval Question

Anonymous — Sat, 15 Mar 2014 03:34:19 GMT

I applied for the unsecure nRewards card and I think at the time my credit was in the upper 500's and I got approved for a $1,000 CL. I do have a direct deposit with them I am not sure if that made a difference or not. My credit limit now is $10,000 and it have been over a year that I had the nReward card.

Re: NFCU Approval Question

OneDay_750 — Sat, 15 Mar 2014 05:01:56 GMT

That's very reassuring. I just reach my first 600, but it was in EX. Once I settle some old debt, I hope my EQ score will cross that tresshold, so I can apply. I would be delighted with a $5K CL to start with. Currently my highest CL is a $7K Star Card and a $1K secured USAA CC.

Thank you everyone.