BEST TIME TO APPLY FOR NFCU CC

[Anonymous]

Hi,

Newly minted as a NFCU member. Wondering when would be the ideal time to apply for a CC with them. Current scores are TU:630EX:603 EQ:605 - with 2 collections. Dont want to get a HP and not get a CC.. just wondering when to do so.

*UPDATE: i guess when i meant time - i didnt specifically mean time of the day but more specifically....1 month, 2 months from the time i opened an account with NFCU. I am also concerned that with my scores and 2 collections one is 4 years old and the other 3 years old...adding all the factors and farming.. i dont want to apply within a month or two and get declined.

Thanks for any insights

[Anonymous]

I always stay away from early AMs to avoid running into a grouchy analysts if the app goes into review.

[Anonymous]

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@Anonymous wrote:
I always stay away from early AMs to avoid running into a grouchy analysts if the app goes into review.

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I have NEVER ran into a grouchy analyst at NFCU----I have called them at some odd hrs too. ALWAYS CURTEOUS

[Grafton88]

I would look to start with a secured CC from NFCU.  That is how I started.  I then got a secured loan through them.

With your scores and baddies the secured route may be your best choice.

[Anonymous]

My scores were much lower I append right when I joined and got approved

[Anonymous]

@medic and Grafton

Been calling NFCU and found out that there is no specific time frame when NFCU Secured card graduates. It varies. However here is the catch - whatever you used to deposit  ($500 minimum) once it does convert to an unsecured card - that deposit stays in your savings account and stays there until you close it. It was recommended that i open a secured card ( to start building the relationship ith NFCU) then after a certain period of time apply for the unsecured card. Once you get approved or the reason for you opening the secured card is fulfilled - then close it so you can get your money back.

Im glad i got that insight otherwise i would've locked my $$  was planning to put atleast 2.5k for a high CL balance.

[Anonymous]

Hi there-

My scores were much lowere than yours with several baddies including an IRS Lien. I appd for the Cash Rewards Card within an hour of my account being set up and was instantly approved. I would pull the trigger now!

[Grafton88]

My secured CC graduated in 13 months.  I then asked for and received a CLI to $5000.

[Anonymous]

My NFCU secured card just graduated yesterday after having the card since April 2017. My deposit was $1,000 and I called to have it released back in my savings account which showed as available funds while I was still on the phone with the representative. My credit limit is now $2K. I'm in the process of getting a home so no hard pulls for me until after closing. 

I will also add that my Equifax 09 score went from 530 in April to 677 in September. 

[Anonymous]

@mandm, and everyone - APPROVED FOR NFCU 4.6k

First let me tell you THANKS! followed your recommendation

Called NFCU and spoke to "D". I told her that after all of the sleepless nights reading blogs and researching and contemplating on whether i  should wait till i get my CR - i took that leap of faith and said lets process it. During the process i told her to hold my hand! (LOL) After providing all the information i was instantly approved for 4.6k!! I couldnt believe it! It's true what they say about NFCU! They give second chances! Had to call again after 5 minutes to know it was real! LOL

Here are some facts that may help those "hesitant" like me.

Monthly Inc. 6k

Job tenure- 8 months

Rent - 0 (live with family)

TU:630  EX:603  EQ:605

Credit cards:

*Discover It secured ( 2016) and graduated july 2017. 1500 CL

*C1 300 CL 

BADDIES:

2 collections total 7k

*4k - 4 years old

*3k - 3 years old

Appreciate all the input guys!