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A Beautiful NFCU Win!!

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MrsF
Established Member

Re: A Beautiful NFCU Win!!

I agree. It depends. My spouse and I actually joined about a year ago when our scores were in the 500's/low 600's. But we did immediately start having our paychecks direct deposited and also established savings acocunts. We also re-financed one of our cars with them. So we did establish a relationship. My spouse was approved for the Platinum card with a $4200 CL when we joined. She added me as an authorized user. I waited until August to apply for my own card. Got approved for the Cash Rewards for $7300 (at the same time, my spouse was approved for CLI that brought her Platinum card up to $7200).

 

Income may be a factor as well. We have a combined income of around $115K. We are both in the medical field, so I don't know if maybe our professions are deemed a better risk. We also have been very mindful of our utilization at SCD for all cards that we use - whicn is 3 cards out of 10. We stopped using the small sub-prime cards. To that end, we make multiple payments on the cards throughout the month, so our statement balance is always paid off. We use the Cash Rewards card ALOT, so I'm sure NFCU is loving the transaction fees that come from the merchants.

 

I think all of these things (and I'm sure many other things) have factored into our most recent success.

Message 21 of 27
AllZero
Mega Contributor

Re: A Beautiful NFCU Win!!

Time to mark your calendar for another 91/3 on the 3rd card. Smiley Wink

Message 22 of 27
M_Smart007
Legendary Contributor

Re: A Beautiful NFCU Win!!


@AllZero wrote:

Time to mark your calendar for another 91/3 on the 3rd card. Smiley Wink


@AllZero  I have no months on the calendar with 91 daysSmiley Wink

Message 23 of 27
AllZero
Mega Contributor

Re: A Beautiful NFCU Win!!


@M_Smart007 wrote:

@AllZero wrote:

Time to mark your calendar for another 91/3 on the 3rd card. Smiley Wink


@AllZero  I have no months on the calendar with 91 daysSmiley Wink


You need to use the unicorn calendar.

 

https://images-na.ssl-images-amazon.com/images/I/81KNtPMSyBL._AC_UL115_.jpg

Message 24 of 27
OmarGB9
Community Leader
Super Contributor

Re: A Beautiful NFCU Win!!

Congrats!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 25 of 27
mystikal1
Established Contributor

Re: A Beautiful NFCU Win!!

Congrats. Very nice!

Message 26 of 27
AndySoCal
Valued Contributor

Re: A Beautiful NFCU Win!!

@MrsF  First of all congrats on the approvals.  Secondly you mentioned you have some rebuild credit cards. From you post I think they have served their purpose. I would think about closing those with fees / annual fees and get the cash back by not having those fees to pay. 

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 CLOSED: Walmart Capital 1 Banking: Discover Bank Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 27 of 27
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