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First NFCU CC!

Adkins
Mega Contributor

First NFCU CC!

So, I jumped the garden fence last night and applied for the NFCU Rewards Visa Card. I expected a small limit, like $500, since I'm still in rebuild stage. I love my Discover secured but I keep maxing it out and paying it down, and I wanted a little more wiggle room than it's $200 limit gives me. My plan is to only use this card for gas, since I prefer to stop & fill-up at Costco and they only take Visa credit cards or debit cards.

😁 They approved me for $2800, with a 16.15% interest rate! Way more than I expected, but the limit will help with my utilization rate. I'm very pleased. My FICO scores are 625-640s. I'm not sure who they pulled yet, as I haven't looked.
Last HP 09-14-2020



30 REPLIES 30
Sandman771
Valued Contributor

Re: First NFCU CC!

Congrats! Now get back to the Garden! lol 

No seriously, I got my first one waited the 3 statement cuts and 91 days and asked for a CLI. They denied, so I apped for a second card and boom they approved me for 2.5 times my first card (makes zero sense).But then I went right back to the garden. twomonths in this week. Gonna get that silver spade in 25 days. 

Starting Score: EQ 497 TU 496 EX 499
Current FICO8 Score: EQ 611 TU 625 EX 616
Goal Score: 700's Across the board


Take the myFICO Fitness Challenge

In the Garden since 06/16/2021
Message 2 of 31
Adkins
Mega Contributor

Re: First NFCU CC!

@Sandman771 - I sauntered back into the garden this morning! That's interesting about the CLI request, I'll keep it in mind. Thanks for the congratulations!
Last HP 09-14-2020



Message 3 of 31
Irish80
Moderator Emeritus

Re: First NFCU CC!


@Adkins wrote:
@Sandman771 - I sauntered back into the garden this morning! That's interesting about the CLI request, I'll keep it in mind. Thanks for the congratulations!

Congrats!  NFCU is the best.  Be good to them and they'll be very good to you for years to come.

Message 4 of 31
SteelerNYC
Valued Contributor

Re: First NFCU CC!


@Sandman771 wrote:

Congrats! Now get back to the Garden! lol 

No seriously, I got my first one waited the 3 statement cuts and 91 days and asked for a CLI. They denied, so I apped for a second card and boom they approved me for 2.5 times my first card (makes zero sense).But then I went right back to the garden. twomonths in this week. Gonna get that silver spade in 25 days. 


and I'm backwards! Giant CLI post 90 days and denied for a second card 4 months later.  All good, though. Navy still rocks.

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $139,100 total revolving, 21% utilization
3.25% mortgage July 2020, $20k used Auto Loan October 2020, $20k PenFed Personal Loan Dec 2020
687/683/673 EX/EQ/TU w/ 5/6/6 INQs as of Jan 2021
Spending 2021 in the Garden
Message 5 of 31
Adkins
Mega Contributor

Re: First NFCU CC!

@Irish80 - Thanks!

@SteelerNYC - Interesting.
Last HP 09-14-2020



Message 6 of 31
CreditMagic7
Super Contributor

Re: First NFCU CC!


@Irish80 wrote:

@Adkins wrote:
@Sandman771 - I sauntered back into the garden this morning! That's interesting about the CLI request, I'll keep it in mind. Thanks for the congratulations!

Congrats!  NFCU is the best.  Be good to them and they'll be very good to you for years to come.


+1

 

Nothing more i can add then what was just said.

 

They have that unique and uncanny knack in helping it's members achieve!

Message 7 of 31
Adkins
Mega Contributor

Re: First NFCU CC!

@CreditMagic7 - That's exactly why I escaped from the garden to app with them!
Last HP 09-14-2020



Message 8 of 31
CreditMagic7
Super Contributor

Re: First NFCU CC!


@Adkins wrote:
@CreditMagic7 - That's exactly why I escaped from the garden to app with them!

It's a hard choice sometimes especially when you see that you need to bulk up with new accounts but FICO Scores are currently reflecting newness.

 

That was the absolute correct choice with the right lender (CU) too. A smart decision to better help move things for you and like you say, offer the wiggle room (i call it breathing space) so you can expand.

 

You should also begin to see progress in the next months with your FICO inching up which is also a big help.

Message 9 of 31
Disabled-Vet
Valued Contributor

Re: First NFCU CC!

Congratulations that's a great sl for a rebuilder. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 10 of 31
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