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NCSECU Approved for $4000....UPDATE: Approved for $7000

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creditguy86
Contributor
‎05-31-2021 09:50 AM
‎05-31-2021 09:50 AM

NCSECU Approved for $4000....UPDATE: Approved for $7000

I have banked with State Employees for well over 10 years now. They have been pretty good to work with. It wasn't until recently that I've been able to get any type of loan or credit card with them. I requested 10k on the app, just to see what would happen and they countered at $4000. 

 

The only downside is they only report to Equifax, so I'd be missing the history on the other two bureaus. 

 

DP's

56 inquiries 

3 chargeoffs (2+ years old)

6 accounts with lates (a year or more old)

 

Update: After they reviewed my income they approved me for $7000. Wow I was not expecting that. 

 

Message 1 of 18
17 REPLIES 17
AllZero
Mega Contributor
‎05-31-2021 09:55 AM
‎05-31-2021 09:55 AM

Re: NCSECU Approved for $4000

Congratulations on your approval!
Message 2 of 18
Elpadrino1
Valued Contributor
‎05-31-2021 09:57 AM
‎05-31-2021 09:57 AM

Re: NCSECU Approved for $4000

 Congrats on your approval! 

Message 3 of 18
M_Smart007
Legendary Contributor
‎05-31-2021 10:05 AM
‎05-31-2021 10:05 AM

Re: NCSECU Approved for $4000

Congratulations on your approval!

Message 4 of 18
Demented1
Established Contributor
‎05-31-2021 10:13 AM
‎05-31-2021 10:13 AM

Re: NCSECU Approved for $4000

Congrats on your NCSECU approval…enjoy the card! Smiley Wink




Message 5 of 18
CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎05-31-2021 11:45 AM
‎05-31-2021 11:45 AM

Re: NCSECU Approved for $4000

Congratulations on your NCSECU approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 18
babygirl1256
Senior Contributor
‎05-31-2021 12:04 PM
‎05-31-2021 12:04 PM

Re: NCSECU Approved for $4000

Congrats on your NCSECU $4000 approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 7 of 18
gdale6
Moderator Emeritus
‎05-31-2021 12:09 PM
‎05-31-2021 12:09 PM

Re: NCSECU Approved for $4000

Grats on your NCSECU approval Smiley Happy

 

Message 8 of 18
Mr_Mojo_Risin
Senior Contributor
‎05-31-2021 12:21 PM
‎05-31-2021 12:21 PM

Re: NCSECU Approved for $4000

Congrats on a nice haul! 

That's cool they gave you a counter offer.

Cheers

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 9 of 18
SweetCreditObsession
Valued Contributor
‎05-31-2021 12:56 PM
‎05-31-2021 12:56 PM

Re: NCSECU Approved for $4000

An approval is great news. Congratulations! Are there any other DPs that you can share? 



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 10 of 18
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