cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU Flagship app

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Contributor

NFCU Flagship app

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%
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 1 of 42
41 REPLIES 41
Valued Contributor

Re: NFCU Flagship app

Declined, not feeling the NFCU love everyone else does.
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 2 of 42
Valued Contributor

Re: NFCU Flagship app


@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!

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!

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver





           
Message 3 of 42
Valued Contributor

Re: NFCU Flagship app

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.
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 4 of 42
Moderator

Re: NFCU Flagship app

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.
Message 5 of 42
Valued Contributor

Re: NFCU Flagship app

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
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 6 of 42
Community Leader
Super Contributor

Re: NFCU Flagship app


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

This so much lol

Message 7 of 42
Valued Contributor

Re: NFCU Flagship app

Guys, I hang out with Jago22 online, what do you really want from me??? 🤣😂 Gardening skills rubbed off I guess 🤷🏽‍♂️🤷🏽‍♂️
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 8 of 42
Regular Contributor

Re: NFCU Flagship app

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.

Starting FICO 8 as of 2 APR 2019

FICO 8 as of 10 OCT 2019

FICO 9 as of 2 APR 2019

Goal 700 across the board by 7/2021
Message 9 of 42
Community Leader
Mega Contributor

Re: NFCU Flagship app

Aren't we all in the Garden 😐

 

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

 

🌹 🌹 🌹

 

Message 10 of 42
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.