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Bitter-sweet NFCU victory

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Valued Contributor

Re: Bitter-sweet NFCU victory

I only got $1000 SL on my first card (Cash Rewards) with 740 fico.

92 days later I got a CLI to $3000 and a new Flagship with $20,000 SL with less than 740 fico.

92 days later I got a new More Rewards Amex with $15,000 SL.

 

Relationship is the most important factor to NFCU. 

You are on your way.

GL!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $375k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - PenFed & Capital One





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Message 11 of 22
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Super Contributor

Re: Bitter-sweet NFCU victory


@Bbcatcher wrote:
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

Ahhhhhhhhh. Now I get it Smiley Happy


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

Message 12 of 22
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Frequent Contributor

Re: Bitter-sweet NFCU victory

Congrats on your approval!!


Message 13 of 22
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Frequent Contributor

Re: Bitter-sweet NFCU victory

Congratulations 🎈🎉🎊🍾
NFCU is a great Relationship Builder

No worries $500 for 91 days is Temporary!!!
And we’ll celebrate your CLI as a New Year’s Gift
And possibly a 2nd card with a Killer Line

Welcome to NFCU


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


Take the myFICO Fitness Challenge












Message 14 of 22
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Valued 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.


CONGRATS on your approval!!

 

I recently joined(10/19) I was approved(sameday) for the cashRewards $500SL by phone. I was a prequal'd so, I wonder if I TOO was on the cusp of a computer denial? OR better SL? Hmmmmmmmm...makes ya wonder.

 

GRATS!!Smiley Wink

 

IHeartNY





Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 650(within a year)


Take the myFICO Fitness Challenge

























Message 15 of 22
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Valued Member

Re: Bitter-sweet NFCU victory


@Shooting-For-800 wrote:

I only got $1000 SL on my first card (Cash Rewards) with 740 fico.

92 days later I got a CLI to $3000 and a new Flagship with $20,000 SL with less than 740 fico.

92 days later I got a new More Rewards Amex with $15,000 SL.

 

Relationship is the most important factor to NFCU. 

You are on your way.

GL!


So thats the trick with NFCU huh ? Do you submit for the CLI afer 92 days or do they just automatically give it to you ? I got approved for a $500 More Rewards when i signed up for my checking and savings account with them. So wait 92 days ask for a CLI wait another 92 days and apply for a second card through NFCU ? Which one should I look into applying for ?





F8
F9
Starting Scores: December 2017 450 Across

Message 16 of 22
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Mega Contributor

Re: Bitter-sweet NFCU victory

 

Congrats!

 

Message 17 of 22
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Super Contributor

Re: Bitter-sweet NFCU victory

Congrats !



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 18 of 22
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Senior Contributor

Re: Bitter-sweet NFCU victory

Congrats on your NFCU CR approval!

Currently: Gardening since 04/2020




Message 19 of 22
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Established Contributor

Re: Bitter-sweet NFCU victory

Congratulations on your approval!

500 reasons to smile :-)

Enjoy your success,

Cheers

Message 20 of 22
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