No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
-Date you applied? 2/15/18
-What product/CC/loan/CLI did you apply for? Cash Rewards Visa
-Your home state? NY
-Any freezes/locks or disputes in process? no, due to CRA
-Bureau pulled? TU - only have FA on EX
-Hard or Soft Pull? HP
-NOTES: *joined in Aug or Sep of 2018. Have personal checking, savings, IRA.
also have Business checking and savings. All accounts are free, which is nice but I am underwhelmed by the business account. There have been so many bugs and outages that the service is unreliable. and paying $1/month is not a lot of money but a bit annoying to be able to deposit checks on mobile app.
I was approved for $15,000 SL. I was given option to choose VISA or MC. I chose VISA because I was convinced there was no way to get WEMC from them, if I am wrong, please let me know, next time i'll go MC route when I have choice. Because of the 1.5% earnings and no FTF I may actually use this card overseas for travel and the VISA Signature designation can provide some value.
AGain, if I can get a WEMC I would totally change or do that my next card. I now have a few VS but only have one WEMC and it's my stupid sub-prime BuyPower Card that is bucketed at $1,250 CL.
-Date you applied? 02-22-2019
-What product/CC/loan/CLI did you apply for? Cash Rewards CLI
-Your home state? Alaska
-Any freezes/locks or disputes in process? 1 dispute in process
-Bureau pulled? Equifax
-Hard or Soft Pull? Hard Pull
-NOTES: *Enter any add'l info or DP's here* Application Denied, no counter, will not reconsider.
Had NFCU for banking/savings since 2010, NFCU Rewards Visa $8K with perfect history & w/o any CLI requests, just hit 2yrs.
I'm still rebuilding credit. F8 EQ:592 TU:612 EX628. F9 EQ562.
Payed off all my cards this month ($12K), a Military Star Card collection ($4.5K), added $2.3K to Discover secured to max it at $2.5K.
Scores came up 20-28pts this month paying off NFCU from max+ to zero, it reported the 10th.
Salary is 170K anul
NFCU $8K, MAC FCU $1.5K, Discover IT Secured $2.5K, CreditOne $400
Mortgage standards DTI is 18% with rent @$1100mo
Current employment since late 2016
@Anonymous wrote:
Which bureau does nfcu pulls for membership and cards in Illinois?
The information in this thread about credit pulls for NFCU membership is outdated. NFCU no longer does credit pulls just for membership applications.
There are no absolute certainties in the credit world but the vast majority of data points for credit card applications says that they will pull your TransUnion FICO score.