NFCU What was I thinking!!

[MauiMan85297]

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

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Congrats on the approval, a little higher than I would of thought- do the happy dance!

[Anonymous]

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@BIGSTARXXX wrote:

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

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AMAZING -- NFCU is really weird; they are great for folks with Fico in the 600's ....above that all bets are off

My wife - with TU of 700+ was denied for a CC with them, and then 3 months later was approved for 1K - clean TU, just had a discharged Ch 13 - that has now fallen off

same situation for me - and I make 168K a year - got the same 1K SL - my lowest limit by far  (I have limits on other cards up to 20K per carrd, just approved for Amex BCE for 5K SL)

my util is between 2-8%

wife's is about 12%

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Wow! YMMV seriously with them you always assume the people with the better profiles get the best limits/rates. I'm sure your card will grow much more quickly than mine!  Congrats on your AMEX approval once I get my scores back up I wouldn't mind adding them to my small collection in the near future!

[Anonymous]

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@gsully00 wrote:

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

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Congrats on the approval, a little higher than I would of thought- do the happy dance!

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Thanks!! I've been doing the happy dance all around the house!! It's much higher than I thought also!

[BIGSTARXXX]

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@Anonymous wrote:

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@BIGSTARXXX wrote:

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

---

AMAZING -- NFCU is really weird; they are great for folks with Fico in the 600's ....above that all bets are off

My wife - with TU of 700+ was denied for a CC with them, and then 3 months later was approved for 1K - clean TU, just had a discharged Ch 13 - that has now fallen off

same situation for me - and I make 168K a year - got the same 1K SL - my lowest limit by far  (I have limits on other cards up to 20K per carrd, just approved for Amex BCE for 5K SL)

my util is between 2-8%

wife's is about 12%

---

Wow! YMMV seriously with them you always assume the people with the better profiles get the best limits/rates. I'm sure your card will grow much more quickly than mine!  Congrats on your AMEX approval once I get my scores back up I wouldn't mind adding them to my small collection in the near future!

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Thanks - I was really excited about the AMEX approval (and I had been blcklisted since the mid 90's)

Congrats on your approval

[Anonymous]

Thank you BIGSTARXXX!!

[Anonymous]

Congrats, that is pretty amazing really given your scores.  I had a tough time with scores right at 600 when I first started with NFCU, after some denials I got a secured card, just a couple of months later the flood gates opened and I had an unsecured card with a 10k limit and a CLOC with 15K.  They are a fantastic organization.  Continue to work your rebuild, take good care of all of your accounts and in a few months it will grow.  If you don't get a CLI the first time be patient.  I would wait until your scores grow a bit before applying for another card with them or the CLOC.

[creditguy]

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

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Congrats on your approval. Navy can be a very good friend to have in the credit world, treat them right and the sky is the limit. To be honest, Your APR is not what I would consider high especially when you consider your current scores, your APR is very competitive. 

[Anonymous]

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@Anonymous wrote:

Congrats, that is pretty amazing really given your scores.  I had a tough time with scores right at 600 when I first started with NFCU, after some denials I got a secured card, just a couple of months later the flood gates opened and I had an unsecured card with a 10k limit and a CLOC with 15K.  They are a fantastic organization.  Continue to work your rebuild, take good care of all of your accounts and in a few months it will grow.  If you don't get a CLI the first time be patient.  I would wait until your scores grow a bit before applying for another card with them or the CLOC.

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Thank you! I was honestly surprised myself. I don't know what they saw upon review, I still have a long way to go but I'm happy they gave me a chance! I feel like I am the only person not really iching for a CLI lol although it would be good I'm happy with my SL for the time being. Thanks for the advice no more apps for me until I grow the accounts that I have, I've always wanted to start my very own garden.  

[Anonymous]

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@creditguy wrote:

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@Anonymous wrote:

Okay the suspense was killing me!!! I expected $500 but I almost dropped the phone when the rep told me that my SL was $3k!! APR is high at 16.15 but beggars can't be choosers!!! Wow!! Loving Navy more and more by the minute. My highest SL ever!!

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Congrats on your approval. Navy can be a very good friend to have in the credit world, treat them right and the sky is the limit. To be honest, Your APR is not what I would consider high especially when you consider your current scores, your APR is very competitive. 

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Thank you creditguy you're right it is, I've been looking at other approvals and I can't believe it! 

[UncleB]

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