NFCU Flagship app

[Caught750]

I applied this morning and app went pending. Hopefully this ends with an approval! Thoughts everyone?

TU9 742
6 inquiries in the last 12 months
Lots of new accts
Just shy of 6 figure income

Again, really hoping for a positive outcome as I’d love to use NFCU for quite a bit in the future. I feel like building history would be a great start!

Need anything further just ask!

***Update 1***
App was denied. Additional DPs that were requested;
Util; 3% aggregate, no card over 28.9%
DTI 18%

[Caught750]

Declined, not feeling the NFCU love everyone else does.

[Shooting-For-800]

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@Caught750 wrote:
I applied this morning and app went pending. Hopefully this ends with an approval! Thoughts everyone?

TU9 742
6 inquiries in the last 12 months
Lots of new accts
Just shy of 6 figure income

Again, really hoping for a positive outcome as I’d love to use NFCU for quite a bit in the future. I feel like building history would be a great start!

Need anything further just ask!

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I wish you luck.

I was just denied with 745 fico8, 2 inquiries, 15% utl, and 6 figure income.

I scored a 333 on their internal scale of 100-450.

I could not handle the rejection, so I applied for Cash Rewards and got a $1k SL.

I had only been a member for a few days though.

GL!

[Caught750]

I will be in the garden for the next year so I was hoping to get in. Frankly I’m not interested in any low limit cards as I have significant limits elsewhere. Very unhappy. Apparently they won’t tell you anything or allow a Recon attempt for a while.

[FinStar]

I was under the impression you were already in the garden 😄

Needless to say, depending on your overall profile (especially with your recent CC successes), the denial seems to point for taking a breather. You can eventually try this again once the dust settles for a while.

[Caught750]

Fin, yea I was kinda supposed to be but figured I’d try one more. Thought Navy was super tolerant and not very sensitive. I suck at gardening, makes me wanna try the other lender we talked about lol

[simplynoir]

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@FinStar wrote:
I was under the impression you were already in the garden 😄

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This so much lol

[Caught750]

Guys, I hang out with Jago22 online, what do you really want from me??? 🤣😂 Gardening skills rubbed off I guess 🤷🏽‍♂️🤷🏽‍♂️

[Anonymous]

Lately I have seen them give low limit first cards and high limit second cards at 91/3 regardless of score. There will of course be some outliers but this looks like the trend. 

My "Baby momma" was approved for an 11k US Bank Cash+ but when apping at NFCU only got 1k with better scores. Mine are about 30 points below hers and I got a $700 SL on mine. We are both hoping for better results at 91/3 in early July.

[Remedios]

Aren't we all in the Garden 😐

I used to be able to do it, now I'm just a gardening tool 

🌹 🌹 🌹