topic Re: NFCU CC Application in Credit Cards

NFCU CC Application

BackInTheSaddleAgain — Sat, 12 Apr 2014 19:23:51 GMT

The good news is my application was accepted and I am now officially a member. I also applied for the GoRewards CC and received the following message:

"Your credit card application has been submitted and is being reviewed. The normal processing time for a credit card application is 3-5 business days."

Anyone have any thoughts on this? Do I have a decent shot at an approval? I am self-employed so I hope they don't ask for pay stubs. Thanks for your insight.

Re: NFCU CC Application

alinoapa — Sat, 12 Apr 2014 19:34:25 GMT

I'm not an expert, but with those scores I would think you will be approved

Re: NFCU CC Application

mattmix36 — Sat, 12 Apr 2014 19:38:55 GMT

When I applied for the NFCU flagship reward last month, I had the same scenario...they called me up and told me I was approved for a 25k line a couple of days later

Re: NFCU CC Application

sailor_mercury — Sat, 12 Apr 2014 20:00:40 GMT

@BackInTheSaddleAgain wrote:
The good news is my application was accepted and I am now officially a member. I also applied for the GoRewards CC and received the following message:

"Your credit card application has been submitted and is being reviewed. The normal processing time for a credit card application is 3-5 business days."

Anyone have any thoughts on this? Do I have a decent shot at an approval? I am self-employed so I hope they don't ask for pay stubs. Thanks for your insight.

I got the same message when I applied for nCashRewards in November on a Sunday. On either Monday or Tuesday I was approved for $17,500CL. My score was 680-ish at the time. ( I could go back and double check if you want me to)

Re: NFCU CC Application

alinoapa — Sat, 12 Apr 2014 20:25:20 GMT

@sailor_mercury wrote:
@BackInTheSaddleAgain wrote:
The good news is my application was accepted and I am now officially a member. I also applied for the GoRewards CC and received the following message:

"Your credit card application has been submitted and is being reviewed. The normal processing time for a credit card application is 3-5 business days."

Anyone have any thoughts on this? Do I have a decent shot at an approval? I am self-employed so I hope they don't ask for pay stubs. Thanks for your insight.
I got the same message when I applied for nCashRewards in November on a Sunday. On either Monday or Tuesday I was approved for $17,500CL. My score was 680-ish at the time. ( I could go back and double check if you want me to)

How long did you wait before your 2nd card with NFCU?

Re: NFCU CC Application

BackInTheSaddleAgain — Sat, 12 Apr 2014 20:45:07 GMT

Thank you everyone. I just logged in to my account and it shows a GoRewards credit card with a $5,000 CL. I guess that means I am approved. Not the highest CL in the world, but I'll take it. The interesting thing is there are no messages or emails or any communication whatsover that I was approved. In fact, when I click on the loan status button it stil shows "under review."

Re: NFCU CC Application

alinoapa — Sat, 12 Apr 2014 20:47:21 GMT

@BackInTheSaddleAgain wrote:
Thank you everyone. I just logged in to my account and it shows a GoRewards credit card with a $5,000 CL. I guess that means I am approved. Not the highest CL in the world, but I'll take it. The interesting thing is there are no messages or emails or any communication whatsover that I was approved. In fact, when I click on the loan status button it stil shows "under review."

CONGRATS!

Re: NFCU CC Application

sailor_mercury — Sat, 12 Apr 2014 20:52:07 GMT

@alinoapa wrote:
@sailor_mercury wrote:
@BackInTheSaddleAgain wrote:
The good news is my application was accepted and I am now officially a member. I also applied for the GoRewards CC and received the following message:

"Your credit card application has been submitted and is being reviewed. The normal processing time for a credit card application is 3-5 business days."

Anyone have any thoughts on this? Do I have a decent shot at an approval? I am self-employed so I hope they don't ask for pay stubs. Thanks for your insight.
I got the same message when I applied for nCashRewards in November on a Sunday. On either Monday or Tuesday I was approved for $17,500CL. My score was 680-ish at the time. ( I could go back and double check if you want me to)
How long did you wait before your 2nd card with NFCU?

My first card was Feb 2013 and it was a $500 Secured Card. I applied for the nCashRewards 9 months later in Nov 2013. When the 12th statement cut on the secured card they returned the deposit and raised my CL to $3,000. I've considered requesting a CLI on that card but with the $20k card I'm not sure that I'm doing myself any favors.

Re: NFCU CC Application

sailor_mercury — Sat, 12 Apr 2014 20:52:54 GMT

@BackInTheSaddleAgain wrote:
Thank you everyone. I just logged in to my account and it shows a GoRewards credit card with a $5,000 CL. I guess that means I am approved. Not the highest CL in the world, but I'll take it. The interesting thing is there are no messages or emails or any communication whatsover that I was approved. In fact, when I click on the loan status button it stil shows "under review."

Congrats!

Re: NFCU CC Application

coldnmn — Sat, 12 Apr 2014 21:55:11 GMT

@BackInTheSaddleAgain wrote:
Thank you everyone. I just logged in to my account and it shows a GoRewards credit card with a $5,000 CL. I guess that means I am approved. Not the highest CL in the world, but I'll take it. The interesting thing is there are no messages or emails or any communication whatsover that I was approved. In fact, when I click on the loan status button it stil shows "under review."

Congrats! Thanks for sharing.

Re: NFCU CC Application

BigBS — Sun, 13 Apr 2014 01:41:59 GMT

Congrats on the approval!

Re: NFCU CC Application

ways2go — Sun, 13 Apr 2014 03:39:11 GMT

Does NFCU send you your fico score with the paperwork with the CC? I'm curious, because I just joined it the other day and applied for Cash rewards card and was approved for 12.5k limit. I'm curious what score they got with experian and TU? 12.5K limit is just crazy. It's not like I'm going to turn it down.

Re: NFCU CC Application

Kenny — Sun, 13 Apr 2014 03:41:20 GMT

@ways2go wrote:
Does NFCU send you your fico score with the paperwork with the CC? I'm curious, because I just joined it the other day and applied for Cash rewards card and was approved for 12.5k limit. I'm curious what score they got with experian and TU? 12.5K limit is just crazy. It's not like I'm going to turn it down.

If you get the best terms for the card a fico score will not be provided. If you get not the best, one will be. GL and Congrats!

Re: NFCU CC Application

ways2go — Sun, 13 Apr 2014 03:45:33 GMT

I got 11.4 plus prime, so I guess right in the middle? and thanks...

Re: NFCU CC Application

Jarnog — Sun, 13 Apr 2014 03:54:16 GMT

Don't think it will be TU or Ex. Usually they pull EQ exclusively.

And GRATS!!!!

Wilkommen to the family

Re: NFCU CC Application

waiter — Sun, 13 Apr 2014 04:07:10 GMT

I got the lowest apr.. and i was not provided with fico score.

edited to say, it was 5.74 % plus

Re: NFCU CC Application

ways2go — Sun, 13 Apr 2014 04:06:15 GMT

Oops it was equifax. I subscribe to equifax. The next after joining NFCU, I had an alert from equifax, saying I had a new inquiry on Transunion. So I applied for one of the CC and later that day I had inquiry from NFCU. Thanks on the congrats too.