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!!!!
