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NFCU 2nd card approval

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NFCU 2nd card approval

 

 

I applied for my 2nd card with NFCU. Instantly approved for the Flagship credit card $25,000 @ 11.99% on 12/5. I requested express delivery; card delivered via FedEx yesterday morning. My data points are below.

This is my 2nd post since my BK Ch 13 discharge on 9/6/17. Following is my history:

Filed Chapter 13 on 06/06/12

Chapter 13 discharged on 09/06/17

Opened a checking/savings account with PenFed in July 2017

Opened a checking/savings account with NFCU in August 2017

Penfed approved auto loan on 09/07/17 40k @ 6% for 72 months 2017 Lexus NX 200t

Instant approval for Discover It card on September 9, 2017 cl $1200

Instant approval for Overstock credit card on September 9, 2017 cl $4,500

Instant approval for Nordstrom store card on September 9, 2017 cl $500

Refi my Lexus with NFCU in January 2018 38k @ 2.99% for 72 months

Opened NFCU nRewards secured card with $2000 in January 2018; card graduated in May 2018 and received a $1,000 cli; total credit $3,000.

Product change the nRewards to Cash Rewards card in October 2018

Requested EE from Transunion to remove Chapter 13 on December 1, 2018. Transunion score went from 664 to 740. Then I applied for my second card knowing NFCU pulls Transunion for new credit cards.

Current scores: Transunion 740; Experian 695; Equifax 687.

 

 

Message 1 of 9
8 REPLIES 8
Community Leader
Senior Contributor

Re: NFCU 2nd card approval

Nice approval, congrats! 

Enjoy the Flagship! 

Congrats on the EE also. 

Got some pruning to do... No more new cards!
Message 2 of 9
Regular Contributor

Re: NFCU 2nd card approval

Congrats on the approval , monster SL.
Message 3 of 9
Senior Contributor

Re: NFCU 2nd card approval

Congrats on approval and nice massive SL!!!!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 9
Community Leader
Mega Contributor

Re: NFCU 2nd card approval

Huge limit, Navy likeeSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 9
Senior Contributor

Re: NFCU 2nd card approval

Congratulations on your approval and for your early exclusion!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 9
Frequent Contributor

Re: NFCU 2nd card approval

Congratulations on your success overall 👏🏾 Quite the journey. Warms my heart to hear all these Navy stories. 👌🏾

Also, excellent move on Lexus Refi/APR!!

06.2019

03.2018

NFCU CLOC: $15,000
Message 7 of 9
Frequent Contributor

Re: NFCU 2nd card approval

Congrats







Biz Cards
Message 8 of 9
Contributor

Re: NFCU 2nd card approval

That is some great work and perseverance after the BK.

Congrats on that and the monster SL. 

Heart NFCU!!! Heart

Chase Freedom Unlimited $2,750 || Chase Amazon Prime $4k || Capital One QS $3k || NFCU Platinum $5k || NFCU Flagship $25k || AMEX Everyday $2k || AMEX BCE $2k || Citibank Best Buy $750 || Nordstroms $500 || Overstock $2k ||
Message 9 of 9
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