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Another NFCU Rocks Story

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Valued Member

Another NFCU Rocks Story

Back in 2003 I was married to an exNavy guy and we had a NFCU account. We divorced and the account was closed in 2004. Fast forward to May of 2017. I wanted to get in with NFCU and missed the Navy League route, but in talking with customer service, they said if I sent an appeal I could potentially have the old account reopned in my name. Perfect!! Sent the appeal and it was reopened. 

 

I applied for the cash rewards Visa and the CLOC and was denied both due to excessive outstanding credit obligations.. I was seriously bummed. So I sent a message about the CLOC and was told to reapply in person or over the phone and have it sent to a Sr Loan Specialist for review. Did that, and was told it would be 2-3 days. Assuming the worst I was even more bummed. However, I received an email less than 2 mins after the call and it was APPROVED for $5000. So I called back about the Visa and was told to send a emessage to appeal. I did, explaining in May I had traveled to CA to see my new grandchild, had between travel expenses and all that I bought for the new baby and my daughter and son in law on credit cards while there I had greatly increased my utilization to 21% from a typical 4-5%, plus, I wanted to balance transfer as much as possible of the outstanding debt to their card to have just 1 payment a month ad get all my finances back with them...and even though I applied individually, I also  added I have the income of my sig other that contributes to all expenses. 

 

That was about 6pm and at midnight I received notification I had a message on NFCU. Logged in and was informed I was approved for the cashRewards Visa Signature for $7900.

 

Needless to say - I am NFCU for LIFE!!!!

 

**edited to add - they didn't do another HP for either appeal, they used the original TU HPs from a week ago. I have no baddies and myFico TU score is 687. AAoa is 1.5 yrs.

 

TL;dr   NFCU is absolutely the best in every possible way!!!!

Message 1 of 9
8 REPLIES 8
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Frequent Contributor

Re: Another NFCU Rocks Story

Yaaaaaaaaaaaaaay!!! contragz on the approvals. very excited for you!

As of 6/30/2017 - EQ:598 TU:589 EX:645 GOAL:750 All around the board
In the Garden since 12/16/2016~ Gardening until 7/1/2018

"You will receive better cards as your profile improves and any baddies fall off. It's just a process like climbing stairs. As your profile improves, you are able to go to the next level of cards. - baller4life
Message 2 of 9
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Regular Contributor

Re: Another NFCU Rocks Story

Congrats and welcome back to Navy!

Starting Scores: 09.03.16
EQ: 569 TU: 591 EX: 570

Current Scores:
EQ: 674 TU: 730 EX: 679
Message 3 of 9
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Frequent Contributor

Re: Another NFCU Rocks Story

This interests me insofar as Navy declined you based solely on the fact that you are running 21% util. Hmmm..  I wonder what your credit score was before the trip to kids. Any idea? And great job on the recon!


Current Score: EQ779 TU781 EX805
Goal Score: 800's once again


Note to self: Garden. Must garden till 3rd Qtr, 2019
Message 4 of 9
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Valued Contributor

Re: Another NFCU Rocks Story


@mykimba wrote:

Back in 2003 I was married to an exNavy guy and we had a NFCU account. We divorced and the account was closed in 2004. Fast forward to May of 2017. I wanted to get in with NFCU and missed the Navy League route, but in talking with customer service, they said if I sent an appeal I could potentially have the old account reopned in my name. Perfect!! Sent the appeal and it was reopened. 

 

I applied for the cash rewards Visa and the CLOC and was denied both due to excessive outstanding credit obligations.. I was seriously bummed. So I sent a message about the CLOC and was told to reapply in person or over the phone and have it sent to a Sr Loan Specialist for review. Did that, and was told it would be 2-3 days. Assuming the worst I was even more bummed. However, I received an email less than 2 mins after the call and it was APPROVED for $5000. So I called back about the Visa and was told to send a emessage to appeal. I did, explaining in May I had traveled to CA to see my new grandchild, had between travel expenses and all that I bought for the new baby and my daughter and son in law on credit cards while there I had greatly increased my utilization to 21% from a typical 4-5%, plus, I wanted to balance transfer as much as possible of the outstanding debt to their card to have just 1 payment a month ad get all my finances back with them...and even though I applied individually, I also  added I have the income of my sig other that contributes to all expenses. 

 

That was about 6pm and at midnight I received notification I had a message on NFCU. Logged in and was informed I was approved for the cashRewards Visa Signature for $7900.

 

Needless to say - I am NFCU for LIFE!!!!

 

**edited to add - they didn't do another HP for either appeal, they used the original TU HPs from a week ago. I have no baddies and myFico TU score is 687. AAoa is 1.5 yrs.

 

TL;dr   NFCU is absolutely the best in every possible way!!!!


WOW! Quite the story and congrats!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 5 of 9
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Valued Member

Re: Another NFCU Rocks Story

TU was 697 prior . That's all they pulled, they didn't pull EQ. Like I had thought they might for one of them at least.
Message 6 of 9
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Established Contributor

Re: Another NFCU Rocks Story

Congrats! Smiley Happy
Message 7 of 9
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New Contributor

Re: Another NFCU Rocks Story

Awesome!! Congrats on your Approvals!!!

Message 8 of 9
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Community Leader
Super Contributor

Re: Another NFCU Rocks Story

I absolutely love these heartfelt recon stories. WTG OP!

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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