NFCU uses its own credit scoring system rated from 100-450 from what I know they look at your utilization in the last 12 months, and ratio of accounts opened in the last 24 months to all accounts as big scoring points. They do not use fico scores. If you have been banking with them your credits vs debits also plays a big role thats why many people are able to get huge limits or get approved for cards even though they may have some bad history. Since you just opened your account with them you wont be getting the cards as easy as some others.
I have fico scores in the low 700s but their scoring system rated me 260 out of 450 I've been banking with them for 4 years and I was instantly approved for the cashRewards, goRewards, and moreRewards at less than 6 months of credit history.
How do I know this? They sent me a letter explaining it titled "understanding your credit score"
