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When to apply for 2nd nfcu card/cloc

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Anonymous
Not applicable

Re: When to apply for 2nd nfcu card/cloc

the gorewards was my first credit app with NFCU and $5,000.00 was the credit limit right when approved. 

Message 11 of 15
jbsea
Established Contributor

Re: When to apply for 2nd nfcu card/cloc


@Anonymous wrote:
Me too, they gave me 3 to 5 day review forCloc then denied me. next time I will try asking for less

Mikiman, I'm going to guess your scores are kind of low.  When I got my cloc with them my my fico 03 scores (that is what they use) were around 650ish  So i'm going to guess that is what you need to get a line of credit with them.  So just wait a bit for your scores to get there and you should get it.

Amex Gold / Amex Platinum / Amex Marriott Brilliant/ Amex BCP/ Capital One Venture (AU) / Capital One Savor One/ Discover / NFCU Cash Rewards / BOA Unlimited Cash Rewards / NFCU GO Rewards (AU) / Amex EDP / NFCU Flagship Rewards / Chase Freedom (AU) / Capital One QuickSilver / Citi Costco (AU) / Amex Delta
Message 12 of 15
jtw34240
Regular Contributor

Re: When to apply for 2nd nfcu card/cloc

i was approved for cashrewards card 1100.00, navcheck i requested 5,000 it was denied, then i submitted another request for 500 and recon and they approved it. 500 is better than nothing plus it can be increased later after they see my good payment history.

Message 13 of 15
oldman425
Frequent Contributor

Re: When to apply for 2nd nfcu card/cloc

My cash rewards was approved with a $1K SL, a day or two later I went into my local branch and applied for the CLOC, the rep asked how much I wanted and replyed the full $15K and she said how about just $500 and we see what happens.  A couple hours later I was approved for the $500.

12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Message 14 of 15
Scupra
Super Contributor

Re: When to apply for 2nd nfcu card/cloc

Thread is a year and a half old everyone Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 15 of 15
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