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Approved for NFCU Cash Rewards - 3rd Card Approved Lower Limit, Recon'd to $25K!!!!

spiritcraft1
Valued Contributor

Approved for NFCU Cash Rewards - 3rd Card Approved Lower Limit, Recon'd to $25K!!!!

Could it be that the 6th time is the charm?  My TU F09 score rose 146 points overnight as my last derog fell off.  With so many denials over the last 2 years, I am leery.  My last CLI was on 3/18/21.

 

Right now.

 

TU F09 = 843

DTI = <7%

INQ's last 12 = 2 (NFCU Denials)

Income to support 25k easily

 

Should I?  To tell you the truth, I want a reward for this patience and 7 years of being unworthy.

 

Edited to add:  Approved at $5k, Reconsideration message a success, SL raised to $25k


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Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 1 of 41
40 REPLIES 40
M_Smart007
Epic Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

@spiritcraft1, What are you waiting for?

Message 2 of 41
spiritcraft1
Valued Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU


@M_Smart007 wrote:

@spiritcraft1, What are you waiting for?


Thanks...  you have consoled me after a few of these denials..  what the H, it's only an inquiry, it's only and inquiry, it's only...


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Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 3 of 41
AZnotorious
Valued Member

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

pull the trigger!

 

sending luck your way.

Message 4 of 41
Mr_Mojo_Risin
Valued Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

That's an enormous score jump! 

Your stats are looking good, I think you have a  good chance. 

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 5 of 41
spiritcraft1
Valued Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

Good God,

 

5K @ 9.65%

My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower...  Wow.

I sent them a nice secure message to reconsider the SL.

 

6 years of perfect history...  just wow.  What a let down.


| |

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 6 of 41
gdale6
Moderator

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

Grats on your new navy card!

 

Has your daughter ever had derogs on file..... Even though your file may be clean their computers dont forget that you had them. Another thing I have noticed is the higher above 800 on the fico the more frequent the denials and/or lower SLs than what one has on file.

Message 7 of 41
M_Smart007
Epic Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU


@spiritcraft1 wrote:

Good God,

 

5K @ 9.65%

My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower...  Wow.

I sent them a nice secure message to reconsider the SL.

 

6 years of perfect history...  just wow.  What a let down.


@spiritcraft1, At least it is not $1K .. approval is better than denial.

Wishing you the best on reconsideration. my-fingers-are-crossed-smiley-emoticon.gif

Message 8 of 41
spiritcraft1
Valued Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU


@M_Smart007 wrote:

@spiritcraft1 wrote:

Good God,

 

5K @ 9.65%

My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower...  Wow.

I sent them a nice secure message to reconsider the SL.

 

6 years of perfect history...  just wow.  What a let down.


@spiritcraft1, At least it is not $1K .. approval is better than denial.

Wishing you the best on reconsideration. my-fingers-are-crossed-smiley-emoticon.gif


Yes, but man I have treated NFCU right. I ran 3 mil through them on the business side over 4 years as well....  not one issue ever.  Ah well.  They love the DW and family but me, not so much.  Await my next post...  I am feeling much better!


| |

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 9 of 41
M_Smart007
Epic Contributor

Re: Well, Should I try for that 3rd NFCU card now that I am clean on TU

@spiritcraft1, I know it is kind of a letdownSmiley Sad (You still have recon)

I think on the business side of Navy, they do not look at it for personal. (just a guess)

I have learned to temper my expectations when it comes to Starting Credit limits.

 

Again, Good luck on the recon .. I hope you knock it outta da park!

Message 10 of 41
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