NFCU - Nail biting in progress

[Life_take2]

Hey FICO Family

       So I decided that perhaps it was time to try and join the ranks of Shiny Happy NFCU people (yes, I am dating myself here with the REM throwback).

 I have been working my bu@# off to rebuild after a Ch 7 disch in 9/2015-  So after almost a year of re-establishing with Cap1, Wells Fargo and Barclays to drag my scores back to a little less embarrassing level.(640/633/658 and sub 20% Util) I pulled the trigger and joined NFCU today. Super happy about that...a little less so that I received the dreaded "Application is under review" after applying for the GoRewards card. . LOL.

 My end goal is to build some history with them so once I age the BK I can use them for a home purchase.

So I am turning to you all for moral support while I wait (Why does that seem like the longest 24 hours in history.).

Do you all think I was too soon to app?  Thoughts... Ideas ....

[baller4life]

The 24 hour review message is quite common. And with your scores, I would definitely bet on an approval. I got my first card with them in the 590's. Navy Fed is phenomenal!!😆

[Life_take2]

Thanks Baller...That helps. That's why I love this place.

[Anonymous]

Best of luck to you. Baller knows about these things...

[echoecho]

When you joined today was that instant or you had to wait for approval. Still got no approval email after a week.

[Life_take2]

@echoecho wrote:
When you joined today was that instant or you had to wait for approval. Still got no approval email after a week.

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I went into the local branch so the account opening was instant but the credit card approval was a "hurry up and wait" thing. 

[echoecho]

Coolest make sense, tanks. Hope you get it in a few. Congrats.

[Anonymous]

this will be an Iffy for me . i feel you might not get the card and might have to recon just to receive a low limit.

 my mom joined last week through me.  Her score they pulled was 701.  i think they use fico 4 from what they sent in the mail from transunion.  her fico 8 scores  are 720+ and she appled for the cash rewards and only got 1800.  lowest card she has by a long shot.  they said they want to see how well she pays to give increase.  her AAofA is 6 years, no baddies whatsoever. i feel like it has somethign to do with navy league .

[Anonymous]

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@Anonymous wrote:

this will be an Iffy for me . i feel you might not get the card and might have to recon just to receive a low limit.

 my mom joined last week through me.  Her score they pulled was 701.  i think they use fico 4 from what they sent in the mail from transunion.  her fico 8 scores  are 720+ and she appled for the cash rewards and only got 1800.  lowest card she has by a long shot.  they said they want to see how well she pays to give increase.  her AAofA is 6 years, no baddies whatsoever. i feel like it has somethign to do with navy league .

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I beg to differ. I joined 2 weeks ago via Navy League. I got an instant approval for the cash rewards 15.1K and instant approval CLOC for 15K. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

this will be an Iffy for me . i feel you might not get the card and might have to recon just to receive a low limit.

 my mom joined last week through me.  Her score they pulled was 701.  i think they use fico 4 from what they sent in the mail from transunion.  her fico 8 scores  are 720+ and she appled for the cash rewards and only got 1800.  lowest card she has by a long shot.  they said they want to see how well she pays to give increase.  her AAofA is 6 years, no baddies whatsoever. i feel like it has somethign to do with navy league .

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I beg to differ. I joined 2 weeks ago via Navy League. I got an instant approval for the cash rewards 15.1K and instant approval CLOC for 15K. 

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Still confused why they only gave me 2.5k on the CLOC... seems like 90% of everyone and their dog gets the full 15k on it.