Well...I've been w NFCU since May (joined because of this board) refinanced my auto loan through them. Went From 20.9% too 4.99.
10 months ago I didn't even have a fico score, my FAKO from credit karma was showing a 580 TU 645 EQ When my fico finally came back, from 8 years of not using credit,in June I had scores right around 700...
I have played the credit game about as good as you possibly can in the past 10 months acquiring 8 total cc In July I applied for the cash rewards card hearing about all these high credit Limits w NFCU but my highest credit limit at the time was a $1000 target red card.
They pulled TU for the card and my score at the was a 730, and I was approved for measly $500....I can't lie I was pissed off,and kind of confused. Then I started reading the NFCU approval threads and saw that this can sometime happen because NFCU has there own scoring system, I can't remember exactly what my internal score was but it was somewhere around a 300 I believe.
So anyhow I started reading that you should re apply after you wait 3 statements and 90 days...
The cash rewards bonus is currently if you charge $2500 in the 1st 90 days you get a $250 bonus in your rewards account that you can do anything with...so I did that bonus, and it was definitely a pain in the butt...constantly paying for stuff and then having to pay the card off in full because of the $500SL..but I did it
So I had been thinking about testing the 90/3 rule out but was a bit apprehensive, do to the fact that I got such a low SL the last time...but yesterday I saw that my F9 Eq score was a 772..so I said screw it, my scores are high..just do it
I have never had a American express before, and in my mind that always seemed like a Un attainable goal.. So I just blanked my mind out and did it..filled out the app..hit submit and low and behold it said congratulations you have been approved for a AE more Rewards card with a SL of $25000 I just nodded my head in disbelief..and said hell yeah..
The NFCU gods looked out for your boy today Thank everyone for all the amazing information that these boards put out...this is a game changer for me..completely changes my UTI..I was at 12000 now up too $37000 in only 10 months... 8 months from getting my first secured capital one platinum card and secured Discover It
yea I did The bonus it literally went down to the last day..because I had made some charges and because my last charge was on a Thursday it didn’t clear until Monday and it just so happened that Monday was my 90th day So call and make sure your dates are correct, because the last charge has to clear before the 90th day And then they put the $250 in your rewards account as a credit...usually at the start of the following statement. I’m still waiting for my $250 now
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