NFCU and prequals/Flagship?

[NoMoreDebt]

Opened a checking and savings about 3 months ago and haven't done anything else with the accounts since. This evening out of curiosity I tried out their prequal for credit cards and it came back showing all of them. How inaccurate is there prequal especially for the Flagship?

[Jnbmom]

Navy prequalify are NOT very reliable. If you are going to try for your first NFCU I wouldn't recommend the flagship .

[M_Smart007]

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@Jnbmom wrote:

Navy prequalify are NOT very reliable. If you are going to try for your first NFCU I wouldn't recommend the flagship .

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[GZG]

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@NoMoreDebt wrote:

Opened a checking and savings about 3 months ago and haven't done anything else with the accounts since. This evening out of curiosity I tried out their prequal for credit cards and it came back showing all of them. How inaccurate is there prequal especially for the Flagship?

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I can get my prequal to switch from secured card only to all cards including flagship by moving $1000 from my flagship checking to my share savings account. 

That should tell you how completely useless it is - ha 

[SUPERSQUID]

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@NoMoreDebt wrote:

Opened a checking and savings about 3 months ago and haven't done anything else with the accounts since. This evening out of curiosity I tried out their prequal for credit cards and it came back showing all of them. How inaccurate is there prequal especially for the Flagship?

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When I was approved both times for NFCU unsecured cc's the prequal only offered me the nrewards secured.

[FireMedic1]

Do you do all your banking there? The More Rewards card is much easier to get. They are genorous with CLI's once you use it. It seems you build off their other cards before you'll hit primetime. Many more approvals for the MR AMEX than Flagship on avg.

[md_rebuild]

Agreed.   I went More Rewards card first for about 2 1/2 years...got a few others, then got the Flaship, then 3 months later got the AMEX.   I used the 1st one heavily, lots of spend, paying off balance in full...probably ran $40-50K through it...then when I app'd for the others, very high CLI.  

[ForwardLooking]

I joined NFCU at the end of Oct. 2022.  Once I got my checking set up with direct deposits, I transfered over $2000 and opened their secured card -- used the heck out of it, cycled several thousand dollars through it, but always paid it off.  At the 90 day mark in January this year, I did the pre-qualification online and the Flagship showed up.  I applied and was approved with a 9k SL.  It surprised me because I had about a 680 score at the time, a collection, and 2 charge-offs that each were about 4 years old.  This became my first "Big Boy Card" I had had in a long time.  I have since closed the secured card as I don't need it any more.