Anyone else approved for CLOC and auto ref but declined for credit card with NFCU?

[Anonymous]

Hello just wanted to ask if anyone else has the same results as me. I applied for membership with NFCU on 2/13/17 was immediately approved then the same day applied for a credit card and it went into review and the next day they declined me due to my TU CR having too many new accounts and too many inquiries. Today 2/15/2018 I applied for an auto loan and got an instant approval for 20k @5.99 and realized that I made a mistake and wanted a refi not a new car loan so they had me reapply and I was again instantly approved at 5.99 for my payoff of 16k (came from 18% santander loan so I am happy) and right after that I tried my luck with a CLOC since I was denied the card I just tried for the lowest amount($500) because I figured it would be denied anyways but it was also an instant approval. I don't get it they approve me for an auto loan that's already negative equity and give me a CLOC at the lower rate but they won't even start me out with a $500 CL. Anyone else have similar experience with NFCU?? How long should I wait till I get to reapply??
Current scores
EQ 652 with 18 inq
TU 625 with 19 inq
Ex 669 with 14 inq

Cards I have limit and age
Cap One (part secured) $500. 9mon
Cap One Quicksilver $4500. (AU) 11 mon
Credit One $450 9 mon
Walmart SC $200 2 mon
Synchrony Car Care $4000 10 mon
First Progress (Secured) $300 11 mon
Discover it (secured) $200 2 mon
Amex ED $500 1 mon
NFCU CLOC $500. Brand new
I have no new collections or derrog. The only thing I have is OAG child support with some late payments within the last 2 years

Any advice on what to do next cards that I should keep or ditch would be greatly appreciated.

[Anonymous]

I have the exact opposite issue. They gave me a $15k sl but won't approve a $500 CLOC.

[Anonymous]

I wish i had your issue. I would trade anytime. Lol

[Anonymous]

If I had to guess I'd say its because they won't lose much with the car loan (as much) and its less of a risk factor to them .They repo the car auction it off and get the money back etc.  As for the CLOC $500 ain't much and theyre giving u a chance .Idk if they even approve CC with that low of a limit but if they do may be you went for the wrong card. Some ARE harder to get believe it or not. I say get that TU score up to at least 660 before trying for a CC again and/or about 6 months of postive car payment history and I think you will have a way better odds. You need to build a relationship with them first. Theres something they don't like in your report and whatever it is is whats holding down your score also . for the last question; age those carda you have til each of them is about a year old .Cap1 should graduate a week after 11 months .Credit one cancel at 11 months before the annual fee . Wal-Mart card will grow quick if you work on that TU score .Mine went from 200-5k in 3 months. As for discover they typically graduate in 9 months so I hear .Just age your profile and your scores will get better .Also bring down your utilization and let those inquiries fall off. Don't move so soon. I am now chopping up several cards and will be cutting up 2 or 3 more in a few months all because I was in such a rush to gain credit .A few helped me .A few I didn't need. This is a marathon not a sprint. 

[jlitnns]

Somewhat similar experience to me. I did get approved for a card but with my lowest by pretty far $500 SL, and approved for a CLOC of $10k, I guess I should have asked for the full $15k.

Oh well, from all my research I just need to be patient and use the card which I have been and paying it off every week and hopefully when I hit my 91/3 around mid-April I'll app for a second card and get a better SL. 

Good luck 

[Anonymous]

Thanks man. Best of luck to u. I just asked for 10k and they want me to come sign the promissory not on the original $500 CLOC then they will check and see if they can approve me for 10k. What are your scores like??

[jlitnns]

Current scores are in my siggy and I update them as my scores change.

[Anonymous]

Hey brother, my apologies, but this is off topic. I joined myfico just to get in touch with you. I was going through the forums and read about how you got the CEO of diversified consultants to delete there negative from your report. They are my only collection and i have exhausted all my efforts to get them removed including 3 different credit repair companies and identity theft. Nothing works. If you can send me the Ceos email address, I'd be forever grateful. I know you got everyone and there mother blowing u up for it, i might just be another hot dog in the bucket. Im just at my witts end and dont know what else to do. Im willing to pay you..<MOD EDIT: Cannot put personal contact information on this forum>. Please help me if possible. Have a great evening!!!

[AverageJoesCredit]

Bigschermer, welcome. You can always PM another member so long as you respect the TOS of the forum. I would advise you not to post personal information on the actual posts for your security and with guidance of our TOS, thank you, AJC

[Anonymous]

You were very right. My walmart card and the other card through synchrony already are at 6k each and NFCU finally have me a cash rewards card and only started me with $500 but I am happy because it's a great start. The only secured cards I have left is capital one and Discover and I am at 11 months next month so fingers crossed it gets unsecured and I won't have any left and going to cancel credit one at 11 months as well. I now have over 30k in credit cards and lines of credit thanks to this site and NFCU already gave me 10k ln my line or credit so I am happy to see where this goes