After being given the run around by PenFed (told I was approved twice, then suddenely wasn't approved), I NFCU earned my business...
Applied Tuesday evening, got a request for copies of paystub on Wednesday, had a blank draft in my hand on Saturday. I did everything online, and other than waiting for the SM back and forth, it was a great experience. I called CS twice with questions, and each time the first person I talked to was pleasant and was able to get the answers I needed right away. Of course, every interaction with NFCU goes this way for me, which is why I like them!
I only wish I could prequalify for a lease through them instead!
Data Points:
Income: ~$54K (Chose to qualify alone, didn't add spouse's income)
Pre-approved up to $30K (I asked for $30K, they gave me $30K)
APR: Qualified for lowest posted rates.
They pulled EQ. Haven't gotten the letter that tells me if they used my FICO 8 or their internal score yet.
Only baddie on my report is the BK7 from 7 years ago.
11% utilization across the board (no individual card over 40%), 4 inquiries in the past 6 months
Total Cards: 24 | Total Limit: $304,250
Current FICO 8 Scores: EQ: 841| TU: 815 | EX: 814
Hard Inquiries: 1
