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NFCU and prequals/Flagship?

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NoMoreDebt
Senior Contributor

NFCU and prequals/Flagship?

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?

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 1 of 8
7 REPLIES 7
Jnbmom
Credit Mentor

Re: NFCU and prequals/Flagship?

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

EXP 780 EQ 796 TU 810
Message 2 of 8
M_Smart007
Legendary Contributor

Re: NFCU and prequals/Flagship?


@Jnbmom wrote:

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


 

Message 3 of 8
GZG
Senior Contributor

Re: NFCU and prequals/Flagship?


@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?


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 

 

Starting FICO 8:
Current FICO 8:



3/6, 3/12, 7/24 new accounts
Message 4 of 8
SUPERSQUID
Valued Contributor

Re: NFCU and prequals/Flagship?


@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?


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

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 5 of 8
FireMedic1
Community Leader
Mega Contributor

Re: NFCU and prequals/Flagship?

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.


Message 6 of 8
md_rebuild
Regular Contributor

Re: NFCU and prequals/Flagship?

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.  

 

 

BK7: Discharged Sept 2019
7/7/24:

Message 7 of 8
ForwardLooking
Regular Contributor

Re: NFCU and prequals/Flagship?

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.

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