Discover IT, Citi Rewards, Home Depot, NFCU Cash R... - myFICO® Forums

mrtech3 · ‎11-21-2021

I got this one via Credit Karma...It said GOOD approval chance and I thought to myself "yeah right". This was back on Oct 16. I filled out the app and hit the submit. Instant Approval with a 11k CL. They pulled EX at a 696 FICO...20% utilization....5 collections....4-5 recent INQs.....

CreditMagic7 · ‎11-21-2021

Yay! Congratulations on ALL approvals!

mrtech3 · ‎11-21-2021

This was back in June. I received a pre-approval through the US MAIL. I filled out the needed info and BOOM...Instant Approval $5300 CL...They pulled EQ with a FICO of 702....3 collections....20% utilization.....

mrtech3 · ‎11-21-2021

This one came in the mail back in May...I had one of these years ago and CITI closed it after non-use for about 2yrs.....We needed a new washer and they were offering 0% interest for 6 mos so I applied...Instant approval with a 6k CL...They pulled EQ that was 702....3 collections....The wife loves the new washer BTW... Samsung top load FTW......

Ilinferno · ‎11-21-2021

Nice! Congrats on the card and the new washer!

mrtech3 · ‎11-21-2021

I have been with NFCU for about 13.5 yrs and I have had 2 rewards cards with them the entire time..They both were initially approved at 10k CL each...Navy increased the CLs without request a few times and even lowered the rate in 2019 to 7.4% where it still sits at today..I have carried balances and zeroed them out as well....The Visa currently is at 19.4K CL and the MC is at 21.5k....Last week I finally decided to pull the trigger on the last card to complete my NFCU trifecta...I applied for the cash rewards card and got an instant approval for 3k....I will wait 6mos before I ask for a CLI....They pulled my TU which was a 704 plus I am guessing they have some internal scoring system as well. My income is 170k..Navy has been really good to me and it's where I do all of my banking...Highly recommended if you can join.....