HOW DOES THINGS LOOK FOR THE NFCU

Anonymous · ‎02-05-2015

Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300

Cap Plat (credit steps) $300

FingerHut $900

JCrew $250

Brylane $500

Jessica London $250

Avenue $250

Express $250

AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.

Anonymous · ‎02-05-2015

@Anonymous wrote:
Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300
Cap Plat (credit steps) $300
FingerHut $900
JCrew $250
Brylane $500
Jessica London $250
Avenue $250
Express $250
AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.

Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.

Anonymous · ‎02-05-2015

@Anonymous wrote:
@Anonymous wrote:
Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300
Cap Plat (credit steps) $300
FingerHut $900
JCrew $250
Brylane $500
Jessica London $250
Avenue $250
Express $250
AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.
Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.

Irish80

Thanks. I have laid the store cards to the side I just needed some tradelines to get my foot in the door. My oldest card is from Nov 2014 will this hinder any approvals from others? If not who do you recommend as I would like to try for Discover IT or Citi. I have about 12 inq's on EX 8 TU & 11 on EQ

Anonymous · ‎02-05-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300
Cap Plat (credit steps) $300
FingerHut $900
JCrew $250
Brylane $500
Jessica London $250
Avenue $250
Express $250
AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.
Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.
Irish80

Thanks. I have laid the store cards to the side I just needed some tradelines to get my foot in the door. My oldest card is from Nov 2014 will this hinder any approvals from others? If not who do you recommend as I would like to try for Discover IT or Citi. I have about 12 inq's on EX 8 TU & 11 on EQ

I'd wait until you apply for the NFCU card. You are far more likely to get a sizable CL with them than you are with Discover or Citi. I doubt you would even get approved for those with your number of inquiries and low AAoA. You're going to need to wait till your accounts and inquiries age before any of the major banks will approve you. NFCU is more tolerant of those areas. Your membership approval shouldn't take very long and then you can try.

Anonymous · ‎02-05-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300
Cap Plat (credit steps) $300
FingerHut $900
JCrew $250
Brylane $500
Jessica London $250
Avenue $250
Express $250
AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.
Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.
Irish80

Thanks. I have laid the store cards to the side I just needed some tradelines to get my foot in the door. My oldest card is from Nov 2014 will this hinder any approvals from others? If not who do you recommend as I would like to try for Discover IT or Citi. I have about 12 inq's on EX 8 TU & 11 on EQ
I'd wait until you apply for the NFCU card. You are far more likely to get a sizable CL with them than you are with Discover or Citi. I doubt you would even get approved for those with your number of inquiries and low AAoA. You're going to need to wait till your accounts and inquiries age before any of the major banks will approve you. NFCU is more tolerant of those areas. Your membership approval shouldn't take very long and then you can try.

Irish80

Your awesome!! Thanks

Anonymous · ‎02-05-2015

BluSky28 wrote:

Irish80 wrote:

BluSky28 wrote:

Irish80 wrote:

BluSky28 wrote:

Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300

Cap Plat (credit steps) $300

FingerHut $900

JCrew $250

Brylane $500

Jessica London $250

Avenue $250

Express $250

AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.

Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.

u

Irish80

Thanks. I have laid the store cards to the side I just needed some tradelines to get my foot in the door. My oldest card is from Nov 2014 will this hinder any approvals from others? If not who do you recommend as I would like to try for Discover IT or Citi. I have about 12 inq's on EX 8 TU & 11 on EQ

I'd wait until you apply for the NFCU card. You are far more likely to get a sizable CL with them than you are with Discover or Citi. I doubt you would even get approved for those with your number of inquiries and low AAoA. You're going to need to wait till your accounts and inquiries age before any of the major banks will approve you. NFCU is more tolerant of those areas. Your membership approval shouldn't take very long and then you can try.

Irish80

Your awesome!! Thanks

You're very welcome. Let us know how it turns out and good luck. NFCU is a fantastic credit union and will be great for you in your quest to build credit. Lots of different products for you down the road.

Anonymous · ‎02-05-2015

@Anonymous wrote:

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Hello

I am currently building credit. I didnt have any credit cards until Nov 2014 and because of my thin file most of the cards I applied for i was denied reason limited or no credit credit lack of revolving credit etc. So here is my list -

Cap1 QS (credit steps) $300
Cap Plat (credit steps) $300
FingerHut $900
JCrew $250
Brylane $500
Jessica London $250
Avenue $250
Express $250
AnnTaylor $250

I am waiting for my application into NFCU to be approved (getting in thru my son who's in the Army) and i was wondering about applying for their cc#. What do you think my odds are of approval? My intention is to garden until Aug but I would step out just for them and then enter again until Nov-Dec 2015. My scores are below and EQ & TU are possibly higher as util has been lowered a bit.
Your chances are good at getting at getting approved for a credit card. Stop applying for all those store cards with low limits. You have plenty 😀. Once your membership is approved go ahead and apply. I'd suggest the cash rewards card unless you travel a lot. Then it would be the Flagship.
u
Irish80

Thanks. I have laid the store cards to the side I just needed some tradelines to get my foot in the door. My oldest card is from Nov 2014 will this hinder any approvals from others? If not who do you recommend as I would like to try for Discover IT or Citi. I have about 12 inq's on EX 8 TU & 11 on EQ
I'd wait until you apply for the NFCU card. You are far more likely to get a sizable CL with them than you are with Discover or Citi. I doubt you would even get approved for those with your number of inquiries and low AAoA. You're going to need to wait till your accounts and inquiries age before any of the major banks will approve you. NFCU is more tolerant of those areas. Your membership approval shouldn't take very long and then you can try.
Irish80

Your awesome!! Thanks
You're very welcome. Let us know how it turns out and good luck. NFCU is a fantastic credit union and will be great for you in your quest to build credit. Lots of different products for you down the road.

Irish80

Will do

juggalo9er · ‎02-06-2015

make sure you apply for the navcheck as well as a credit card....ask for 15k on navcheck they will counter

navcheck is the checing line of credit

Anonymous · ‎02-06-2015

@juggalo9er wrote:
make sure you apply for the navcheck as well as a credit card....ask for 15k on navcheck they will counter
navcheck is the checing line of credit
jjuggalo9er

Thanks for the added advise will do

gwizdak24 · ‎02-06-2015

My advice is wait 6 months, build on those credit lines and then apply for the nfcu credit card. In the meanwhile, let your direct deposit if any go into your nfcu checking account.

In 6 months you will be eligible for both the credit card and the line of credit, with generous limits.