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NFCU 2nd card approval with 5 collections

Plainjane1991
Established Member

NFCU 2nd card approval with 5 collections

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!!

Merry Christmas to me!!!
15 REPLIES 15
Key1920
Frequent Contributor

Re: NFCU 2nd card approval with 5 collections

Congrats. My 91 day is next month fingers crossed.






Biz Cards
Message 2 of 16
Key1920
Frequent Contributor

Re: NFCU 2nd card approval with 5 collections

Congrats.






Biz Cards
Message 3 of 16
CerebralZulu
Frequent Contributor

Re: NFCU 2nd card approval with 5 collections

Congratulations. Slow and steady!



Message 4 of 16
Saeren
Mega Contributor

Re: NFCU 2nd card approval with 5 collections

Congratulations! Smiley Happy





Message 5 of 16
xaximus
Valued Contributor

Re: NFCU 2nd card approval with 5 collections

Congrats on your approval! Awesome SL!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 6 of 16
CreditCuriosity
Moderator

Re: NFCU 2nd card approval with 5 collections

Congrats

 

Now to work on paying down your debt to get your utilization down and taking care of those collections if you haven't already paid them.

Message 7 of 16
19eighty5
Senior Contributor

Re: NFCU 2nd card approval with 5 collections

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 8 of 16
n_la
Frequent Contributor

Re: NFCU 2nd card approval with 5 collections

Congratulations 👏🏾

06.2019

03.2018

NFCU CLOC: $15,000
Message 9 of 16
KingPredator
Regular Contributor

Re: NFCU 2nd card approval with 5 collections

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 .
Message 10 of 16
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