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NFCU Approval, whoda thought!

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Regular Contributor

NFCU Approval, whoda thought!

So I after reading all the stuff here about how great NFCU was I finally asked my roommate for an access code to sign up. Joined last night and applied for the cash rewards visa right away.

Approved for $700 SL.

My foot is now in the door.
As for DP:
All scores hovering around 600.
They pulled TU which I believe was at 602.

9 INQs
2 collections
A redeemed repo from 2016 on a paid off car loan (that got me a WF denial and I've banked with them since 2007)
7 new cards since October 2017. (Last one was a cap one plat approval for $1000 a few days prior)
18% util.

Plan to use it a few times and pay in full and request CLI on 91 day, maybe second card depending how the next few months go for my TU score (both collections have been agreed to PFD and already paid so they should be gone in 30ish days.)

Hopefully by the end of the year I can close all my sub-prime cards that I am just holding on to for limits purposes. (About 7k total limit right now).

Starting FICO 8 as of 2 APR 2019

FICO 8 as of 10 OCT 2019

FICO 9 as of 2 APR 2019

Goal 700 across the board by 7/2021
Message 1 of 17
16 REPLIES 16
Super Contributor

Re: NFCU Approval, whoda thought!

Congratulations and welcome to the NFCU family!



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 2 of 17
Senior Contributor

Re: NFCU Approval, whoda thought!

Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2019 CCT EX 815 TU 824 EQ 825
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 3 of 17
Frequent Contributor

Re: NFCU Approval, whoda thought!

Congrats on the new relationship! Love me some Navy!!

Starting scores - 480 - 11/05/18
Current Scores -





Message 4 of 17
Community Leader
Valued Contributor

Re: NFCU Approval, whoda thought!

Congrats! The best part is that your limit could be 10k within a year lol

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 5 of 17
Senior Contributor

Re: NFCU Approval, whoda thought!

Congrats on your approval !!!!

 

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 6 of 17
Valued Contributor

Re: NFCU Approval, whoda thought!

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval and Thanks for the DPs!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 7 of 17
Regular Contributor

Re: NFCU Approval, whoda thought!

Thanks all. I am hoping this grows quickly. If it pans out my plans for the next 2 years should go really well Smiley Very Happy

Starting FICO 8 as of 2 APR 2019

FICO 8 as of 10 OCT 2019

FICO 9 as of 2 APR 2019

Goal 700 across the board by 7/2021
Message 8 of 17
Community Leader
Mega Contributor

Re: NFCU Approval, whoda thought!

Very nice startSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 17
New Contributor

Re: NFCU Approval, whoda thought!

IMHO, you should go for card # 2 at 91/3, and ask for a CLI on card # 1 at six months. People tend to see better limits with this method.

I got approved for 1k on 1st card, applied for second at 91/3 approved for 25k with a 648 tu. 1 collection @ $355, 2 CO, and late payments 3 years old.
Message 10 of 17
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