NFCU in-person or online app?

Anonymous · ‎07-06-2017

Background: EQ 639; TU 648; EX: 621. Have Amex BCE $1K; WF Platinum Secured $10K; Discover It $2k; Cap1 Platinum: $1k

Reported income of $120,000 from my small business ($10,000 per month)

Here's the thing, I don't have solid accounting. I've done some basic excel sheets but that is all. I've only been in business for one year and was planning on writing off maximum expenses/deductions to show a paper loss. However, my business pulls in ~approximately $20,000 in gross monthly revenue.

My husband just became an nfcu member a month ago.

When I apply, is there any benefit in applying in-person? Aside from easier proving identity, etc. is there possibility of being approved for more by going in-person?

I am going for The Holy Trinity (AKA trifecta): Nav CLOC; Nav Cash Rewards; and Nav Signature Flagship (unless anyone thinks I'll be approved for Nav Platinum instead of Cash Rewards).

Thank you ahead of time for you advice.... this forum has been a gamechanger

AverageJoesCredit · ‎07-07-2017

I dont think theres any more benefit apping in person than online other than you can at least get to experience the human factor, which for you might be a good thing. No real difference if you apply for Platinum or Cash Rewards, same underwriting. Go for whst is best for you. Best of luck

Anonymous · ‎07-07-2017

At my local CU I used the in person app. They helped push it through with my barely fair scores. Only a $500 limit but it got me started. I was rebuilding at the time and that in person got me the card. We chatted about my credit and me rebuilding, etc.

So you never know!