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A question about applying for a cc at NFCU

SUPERSQUID
Frequent Contributor

A question about applying for a cc at NFCU

If you apply for lets say the cash rewards and get denied do they automatically offer the nrewards under the same hard pull?

 

DISCLAIMER - When i ask a question on the forum it in no way indicates any action by me, perhaps i'm curious about a certain issue and will store the info in my memory bank and possibly use it some time in the future or maybe never. there may be other members that will use this info now.

 

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050 /big lots 750/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor 1 3k /fingerhut 1950/ comenity rewards mc 1k
Message 1 of 10
9 REPLIES 9
collics
Frequent Contributor

Re: A question about applying for a cc at NFCU

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More Rewards.

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Message 2 of 10
SUPERSQUID
Frequent Contributor

Re: A question about applying for a cc at NFCU


@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050 /big lots 750/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor 1 3k /fingerhut 1950/ comenity rewards mc 1k
Message 3 of 10
NotRalphKramden
New Contributor

Re: A question about applying for a cc at NFCU


@SUPERSQUID wrote:

@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.


When I joined NFCU, The Pre-qual showed only nRewards. I apped and was accepted Dec 2020. Mid June 2021 it graduated, and got CLI to $2000.

Pre-qual still showed nRewards only. In Sep 2021, at 2 years post bk7,  I applied for More Rewards card and was approved for $25,000. Pre-qual still shows only  nRewards. That has been my experience. Others may have different results.


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Message 4 of 10
SUPERSQUID
Frequent Contributor

Re: A question about applying for a cc at NFCU


@NotRalphKramden wrote:

@SUPERSQUID wrote:

@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.


When I joined NFCU, The Pre-qual showed only nRewards. I apped and was accepted Dec 2020. Mid June 2021 it graduated, and got CLI to $2000.

Pre-qual still showed nRewards only. In Sep 2021, at 2 years post bk7,  I applied for More Rewards card and was approved for $25,000. Pre-qual still shows only  nRewards. That has been my experience. Others may have different results.


Thank you, that info is what most people dont know, excellent.

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050 /big lots 750/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor 1 3k /fingerhut 1950/ comenity rewards mc 1k
Message 5 of 10
FinStar
Moderator

Re: A question about applying for a cc at NFCU


@SUPERSQUID wrote:

@NotRalphKramden wrote:

@SUPERSQUID wrote:

@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.


When I joined NFCU, The Pre-qual showed only nRewards. I apped and was accepted Dec 2020. Mid June 2021 it graduated, and got CLI to $2000.

Pre-qual still showed nRewards only. In Sep 2021, at 2 years post bk7,  I applied for More Rewards card and was approved for $25,000. Pre-qual still shows only  nRewards. That has been my experience. Others may have different results.


Thank you, that info is what most people dont know, excellent.


That similar piece of advice was shared in both NFCU mega-threads.

Message 6 of 10
SUPERSQUID
Frequent Contributor

Re: A question about applying for a cc at NFCU


@FinStar wrote:

@SUPERSQUID wrote:

@NotRalphKramden wrote:

@SUPERSQUID wrote:

@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.


When I joined NFCU, The Pre-qual showed only nRewards. I apped and was accepted Dec 2020. Mid June 2021 it graduated, and got CLI to $2000.

Pre-qual still showed nRewards only. In Sep 2021, at 2 years post bk7,  I applied for More Rewards card and was approved for $25,000. Pre-qual still shows only  nRewards. That has been my experience. Others may have different results.


Thank you, that info is what most people dont know, excellent.


That similar piece of advice was shared in both NFCU mega-threads.


My head is spinning from all the NFCU posts i've read. Thanks for the heads up anyway. at some point i will app for an NFCU card, it could be 2022 or 2023 theres no rush but any info is helpful.

I am on the fence wether i will go for the nrewards and go through that way or cold app for the cash rewards.

Thats why i asked if you app for the cr will they automatically counter with nrewards under the same hp. right now they offer me nrewards but after dec im post 2 yrs bk7 and i read they loosen up a little 2 years out from bk

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050 /big lots 750/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor 1 3k /fingerhut 1950/ comenity rewards mc 1k
Message 7 of 10
FinStar
Moderator

Re: A question about applying for a cc at NFCU


@SUPERSQUID wrote:

@FinStar wrote:

@SUPERSQUID wrote:

@NotRalphKramden wrote:

@SUPERSQUID wrote:

@collics wrote:

I applied several diff times and never once was offered secured. 

 

I'd advise to attempt recon if denied. That's how I got my first approval which was More RewardsRight R


 Right now the prequal says only nrewards, after dec i am 2 years post bk and maybe it will change.

Here comes the chorus of nfcu prequal tool is unreliable, i know already.


When I joined NFCU, The Pre-qual showed only nRewards. I apped and was accepted Dec 2020. Mid June 2021 it graduated, and got CLI to $2000.

Pre-qual still showed nRewards only. In Sep 2021, at 2 years post bk7,  I applied for More Rewards card and was approved for $25,000. Pre-qual still shows only  nRewards. That has been my experience. Others may have different results.


Thank you, that info is what most people dont know, excellent.


That similar piece of advice was shared in both NFCU mega-threads.


My head is spinning from all the NFCU posts i've read. Thanks for the heads up anyway. at some point i will app for an NFCU card, it could be 2022 or 2023 theres no rush but any info is helpful.

I am on the fence wether i will go for the nrewards and go through that way or cold app for the cash rewards.

Thats why i asked if you app for the cr will they automatically counter with nrewards under the same hp. right now they offer me nrewards but after dec im post 2 yrs bk7 and i read they loosen up a little 2 years out from bk


My understanding (on the bolded piece), is that if they can match everything from the previous application when you call them; then yes they have been known to re-use the same HP, but it has to be done within a short amount of time. I'm sure some members will chime in (or correct me) on that particular experience.

 

I'm thinking, if you don't go bananas on more apps Smiley TongueSmiley Wink between now and whenever you decide in 2022 (or 2023) you'd likely won't have to go the nRewards route. You could likely be approved for any of them (except maybe Flagship). So, just make sure everything looks pretty before you apply -- things like no recent HPs or new tradelines, low utilization, DTI, and things like that.

Message 8 of 10
racole82
Established Member

Re: A question about applying for a cc at NFCU

@collics I started off with a N Rewards because I was scared to pull the trigger with the cash rewards card. My N Rewards haven’t graduated yet and it’s been 8 months.

Started EXP: 535 Feb 21 Current EXP: 675 - EQ: 697 - TU: 681
Quicksilver C1: $1,950 CL
Quicksilver One C1: $1,250 CL
Savor One C1: $1,000 CL
Walmart Rewards C1: $750 CL
Secured N Rewards NF: $1,000 CL
Checking Line of Credit NF: $1,000 CL
Discover It: $4,000 CL
Cash Rewards NFCU: $6,100 CL
Shane Co. TD Bank : $2,500
Total CL: $19,554‬
Message 9 of 10
OmarGB9
Community Leader
Super Contributor

Re: A question about applying for a cc at NFCU


@racole82 wrote:

@collics I started off with a N Rewards because I was scared to pull the trigger with the cash rewards card. My N Rewards haven’t graduated yet and it’s been 8 months.


My nRewards took 13 months to graduate.


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Message 10 of 10
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