Once again NFCU has been unbelievably generous to a poor soul!
Here’s my credit profile:
Fico 8 - EQ/TU at 580-595 They pulled TU with 5 collections, 5 inquiries Collections total 2.5k 65% utilization Platinum card has a limit of 10k College credit union card has limit of 500 60k in student loans Average age of credit 3 years Oldest line 8 years 60,000 income (been with company 1 year) And asked for CLI on 91/3 Original Platinum card went to 24 hour review So I applied for the green card and was approved for 15k @15.99.
Declined on CLOC but still hoping for the CLI on the Platinum. At this point it’s more than enough credit needed to move and very happy with what I’ve been approved for today. I received an intro offer of 0 APR for first six months and plan on using that to pay off the rest of my minor collections. Recently launched a business and went out of town for work so a lot of upfront costs that should be paid off very soon. Combined with the new limit and the incentive my score is for sure going to jump!!
Congrats on the second card. I was able to get my first card through them today . Crazy how Nfcu does/determines SL, I have 700+ on all 3 bearuous and was only approved for 700 on the Amex card. Hope to grow the relationship with them and in 91 days get a second card hopefully with some of the crazy SL I see people getting approved for .