I had a plan to apply for a new NFCU card today. Got the dreaded 24-48 hour message, so I decided to have a backup plan and app for two additional cards, both approved!!! THEN, just an hour later, NFCU approved!!!
Chase Freedom Unlimited - $13,200 (EX pull)
Citi Double Cash - $14,400 (EX pull)
NFCU cashRewards - $20,000!!!!!!!
Before this, my highest starting line on any card was $3,000. After scouring these boards for three years, I went from low 500's to mid 700's. Thank you to everyone on this forum!!!
Data points:
DTI: 25%
FICO 8's mid 700's
FICO 9's mid-high 700's
Usage: 7%
1 paid collection: 6.5 years old
Late payments: two 30 day mortgage lates from early 2020
Inquires: 0
Last new credit: 3+ years
Age of credit: 15+ years
TL's before approval:
WF Active Cash: $4,000 (started as a $2,000 secured in 2019, graduated 2022 and limit was doubled)
NFCU More Rewards: $4,500 (started at $3,000, auto CLI three days ago to $4,500
Amex Delta: $1,000 (opened in 2021, refuses to grow)
And two First Premiers (yes, I know, but they are both ten years old and did A LOT for me. I will cancel them now). One is $600, one is $700. Recently auto CLI'd, doubling each with no fee.
Thanks again to everyone on these boards. I will be in DEEP hibernation for at least a few years and garden my NFCU accounts!
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