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NFCU Flagship app went to review - update, denied

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KJinNC
Valued Contributor

NFCU Flagship app went to review - update, denied

I applied this morning for a Flagship, due to the $400 SUB and because I think it'll be better for 2x in the long run than PPMC. Mainly because of the Sync soft cap of $10K. They pulled TU, of course, and it went to review. I got a notice saying I will find out in 24-48 hours.

I still show as 0/12 for cards. I did recently add two cards, but only the inquiries for those have appeared thus far, and those inquiries are both on EQ. I'm a little surprised I didn't get an instant approval, tbh, but will see what they come up with. To be fair, my relationship with NFCU (while entirely positive) is minimal. I only keep a couple hundred dollars in that account, and transfer money in from my main credit union when paying my credit card bill. I haven't made particularly heavy use of my NFCU card since it's 1.5% and I have a 2% card.

Will update with results/reasons!

Message 1 of 41
40 REPLIES 40
Duriel
Frequent Contributor

Re: NFCU Flagship app went to review

Good luck on the card. I feel stupid. I got approved 2 weeks ago and missed the bonus. 


Message 2 of 41
KJinNC
Valued Contributor

Re: NFCU Flagship app went to review

Don't feel bad ... I almost applied literally the day before the $400 SUB appeared Smiley Happy

The only reason I didn't is that I couldn't find a way to prepay for Amazon Prime. My subscription is paid until January, and the offer terms say you have to use it by the end of September. I did a chat with an Amazon CSR to see if I could prepay. He said no, so I didn't apply ... thank goodness.

Message 3 of 41
KatSoDak
Frequent Contributor

Re: NFCU Flagship app went to review

Same here. And I waited a year between card one and card two. Ah well that's life. At least we got first year fee waived.

FICO 8:

EQ FICO 9 - 770
EX FICO 9 - 758

Citi (2) | Discover | HSBC | BOA | NFCU (2) | WF (2) | Simmons Bank | FNBO (2) | PENFED | BBVA | US Bank | Lowes | Care Credit | Home Depot AU
Message 4 of 41
JNA1
Valued Contributor

Re: NFCU Flagship app went to review

Good luck on your Flagship application! 

Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 5 of 41
KJinNC
Valued Contributor

Re: NFCU Flagship app went to review

Denied, letter in 7-10 days. Kind of surprised, though my credit history is relatively short and my NFCU relationship is minimal ... still kind of surprised. I may or may not recon depending on the reason(s).

Message 6 of 41
KatSoDak
Frequent Contributor

Re: NFCU Flagship app went to review

Sorry @KJinNC . It seems odd so hopefully there will be something in the denial letter that you can easily reconcile.

FICO 8:

EQ FICO 9 - 770
EX FICO 9 - 758

Citi (2) | Discover | HSBC | BOA | NFCU (2) | WF (2) | Simmons Bank | FNBO (2) | PENFED | BBVA | US Bank | Lowes | Care Credit | Home Depot AU
Message 7 of 41
FinStar
Moderator Emeritus

Re: NFCU Flagship app went to review

Could've been the weird profile? (if it's still weird that is, but who knows). Hopefully the letter will provide more meaningful reasons 🤷‍♂️

Message 8 of 41
Anonymous
Not applicable

Re: NFCU Flagship app went to review - update, denied

If you apped that CR card you have in May, it hasn't been 3 months yet for your next card?

Message 9 of 41
KJinNC
Valued Contributor

Re: NFCU Flagship app went to review - update, denied


@Anonymous wrote:

If you apped that CR card you have in May, it hasn't been 3 months yet for your next card?


May last year.

Message 10 of 41
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