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Congrats to DH! Loving NFCU :)

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iamdetermined
Frequent Contributor

Congrats to DH! Loving NFCU :)

Hi everyone!!

DH has AAoA 8 months. He's an AU on my Macy's & Capital One accounts. He has his own accounts - Amex BCE with $3k CL & NFCU Go Rewards $3300 (both received x3 increases ~90 days). He has a good-standing child support account reporting as well. No derogs, uses card, and makes multiple payments monthly.

We'll be traveling soon, and he doesn't want to put the trip on his current cards. He decided to app for a new card with NFCU.

***NFCU Cash Rewards - Approved!! $15K!!!***

Overall util: 17%
NFCU Fico 9: 732 (we didn't check any other scores before apping, but he received alerts from TU immediately)

Any tips to help increase his score any further?? We're aware it's "young" and time will help, but doesn't hurt to ask Smiley Happy Thx!
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Congrats to DH! Loving NFCU :)

Congrats on approval!
Message 2 of 7
iamdetermined
Frequent Contributor

Re: Congrats to DH! Loving NFCU :)

Thank you eclecticdementia1!
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 3 of 7
AverageJoesCredit
Legendary Contributor

Re: Congrats to DH! Loving NFCU :)

Big congrats to DHSmiley Happy Now with 3 Prime cards, hell be golden. Give it 6 more months and youll probably be seeing a really nice scoreSmiley Happy
Message 4 of 7
Cherekas
Frequent Contributor

Re: Congrats to DH! Loving NFCU :)

Nice starting line on his new card and congrats! Hopefully Navy will award me my second card after my garden stint. 

Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)

Goal Score: 700+ across all 3--Gardening until May 2019
USAA Amex-USAA Rate Advantage VS- Amex Gold- Amex Delta Blue- Macys- NYC CC- Victoria's Secret- Cap 1 QS- NFCU CR- Care Credit- Firestone- Sams Club CC- Best Buy Visa- Paypal 2% MC

Total CL $96,300
Message 5 of 7
iamdetermined
Frequent Contributor

Re: Congrats to DH! Loving NFCU :)

Thank you AverageJoeCredit!! You give us a lot of hope as we build for the future Smiley Happy) Thanks to the knowledge that I've gained here we've been building a nice credit file for him.
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 6 of 7
iamdetermined
Frequent Contributor

Re: Congrats to DH! Loving NFCU :)

Thanks Cherekas! I'm sure they will treat you well so last as you do the same Smiley Happy I've been with them for ~6 months & love everything about NFCU so far.
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 7 of 7
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