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NFCU Question

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alain4957
Regular Contributor

NFCU Question

So I oppened NFCU Savings account and then applied for a Creidt card and was approved.... but i wanted to ask. For everyone that has NFCU do you have a checking account with them and did it help to get high limit credit cards? Just want to see if it even matters or if i should open one and put money in it...

Thanks

Amex Green (NPSL) | Apple Card 10k | Discover IT 20k| Sapphire Reserve 50k | BofA PR Elite 60k | NFCU Flagship 70k | USB Altitude Reserve 20k |



Message 1 of 7
6 REPLIES 6
Wavester64
Valued Contributor

Re: NFCU Question


@alain4957 wrote:

So I oppened NFCU Savings account and then applied for a Creidt card and was approved.... but i wanted to ask. For everyone that has NFCU do you have a checking account with them and did it help to get high limit credit cards? Just want to see if it even matters or if i should open one and put money in it...

Thanks


I got both Savings and checking when I apped for a card and all I got was $1K SL. Smiley Indifferent

 

Better than a decline I guess - but at the time NFCU was handing out HIGH SLs like candy - oh well, I'll
have my day someday  Smiley Happy






Potential Future Cards

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Message 2 of 7
alain4957
Regular Contributor

Re: NFCU Question


@Wavester64 wrote:

@alain4957 wrote:

So I oppened NFCU Savings account and then applied for a Creidt card and was approved.... but i wanted to ask. For everyone that has NFCU do you have a checking account with them and did it help to get high limit credit cards? Just want to see if it even matters or if i should open one and put money in it...

Thanks


I got both Savings and checking when I apped for a card and all I got was $1K SL. Smiley Indifferent

 

Better than a decline I guess - but at the time NFCU was handing out HIGH SLs like candy - oh well, I'll
have my day someday  Smiley Happy


Thanks for the info. I just dont want to have 1000000 bank accounts lol

Amex Green (NPSL) | Apple Card 10k | Discover IT 20k| Sapphire Reserve 50k | BofA PR Elite 60k | NFCU Flagship 70k | USB Altitude Reserve 20k |



Message 3 of 7
Anonymous
Not applicable

Re: NFCU Question

Deposit relationship doesn't factor into UW at all from my understanding.

Message 4 of 7
Meanmchine
Super Contributor

Re: NFCU Question

Good luck to you with Navy

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 5 of 7
Shooting-For-800
Senior Contributor

Re: NFCU Question

No, it does not help. 

Maybe if you have $50-100k or something.

My first card was $1k now $3.5k

My second card was $20k now $25k

My third card was $15k now $20k

All under 2 years.

I have $100 in savings and $100 in checking.

I dont use either.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

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



Message 6 of 7
Anonymous
Not applicable

Re: NFCU Question

My one and only NFCU card was recently bumped to 23.2k and I never had more than $5 in the savings account.

Message 7 of 7
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