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Bitter-sweet NFCU victory

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Frequent Contributor

Bitter-sweet NFCU victory

Applied earlier this morning for the Cash Rewards Visa, got the 24-48 hour message. Just got the email saying I was approved for only $500 at their highest rate. That says I just barely got approved. Well, at least I didn't waste a HP. Going to use this as my main card and hope it grows.



BK7 DC 1/2/2018
Starting Score: 512 Experian FICO 8, 1/7/2018
12/2019 FICO 8's: EXP 641 // TU 646 // EQ 665
Util: 6% TCL: $26,950
AZEO, util only on biz cc reporting to personal
Message 1 of 22
21 REPLIES 21
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Valued Contributor

Re: Bitter-sweet NFCU victory

CONGRATS  on your NFCU cashRewards approval and Welcome to the NFCU family!!! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 2 of 22
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Super Contributor

Re: Bitter-sweet NFCU victory


@CashBackQueen wrote:

Applied earlier this morning for the Cash Rewards Visa, got the 24-48 hour message. Just got the email saying I was approved for only $500 at their highest rate. That says I just barely got approved. Well, at least I didn't waste a HP. Going to use this as my main card and hope it grows.


I wouldn't be so sure about the HP. Don't be surprised if it pops up.

Never mind, @Bbcatcher set me straight Smiley Happy


Total revolving limits 644000 (568000 reporting)
FICO 8's EQ 710 TU 733 EX 717



Message 3 of 22
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Valued Contributor

Re: Bitter-sweet NFCU victory

Congratulations!

@SouthJamaica- I think OP meant at least they didn’t waste a HP and didn’t get approved since it was approved for only $500



Message 4 of 22
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Established Contributor

Re: Bitter-sweet NFCU victory

That is your all important first card right?  Show them some use and pay in full and you will be well on your way.  Congrats!




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, 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 | AMEX Biz Gold NPSL
Message 5 of 22
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Senior Contributor

Re: Bitter-sweet NFCU victory

Congratulations on your approval!
Message 6 of 22
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Established Contributor

Re: Bitter-sweet NFCU victory

Congratulation’s on your approval and welcome to the NFCU family. I just joined last month on the 16th for the GoRewards due to my restaurant 3%. I too only got approved for 1k. But I’ve been using it alot and paying it down. I look forward to my 91/3 when I can apply for my 2nd Card. Enjoy the perks of NFCU.
NFCU AMEX Rewards 25,000 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 7,600
Citi Double Cash 10,300
Citi Simplicity 2,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 4,500 Chevron 900 Fico 8 Scores EQ=754EX=698 TU=728 Scores and CL current as of 02/03/20 AAoA=2years6minths AoOA=17yrs
Message 7 of 22
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Valued Contributor

Re: Bitter-sweet NFCU victory

Congrats on the nfcu cc approval!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 8 of 22
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Valued Contributor

Re: Bitter-sweet NFCU victory

Hey, at least you're in! Congrats on your approval!!
Message 9 of 22
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Senior Contributor

Re: Bitter-sweet NFCU victory

Congrats on your approval .. dont worry ask for for CLI after 91/3 and also they give good SL usually when you apply for 2nd card

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
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