NFCU Approval with Low Credit Score!

[Anonymous]

Hello all,

I decided to randomly apply for the NFCU GoRewards card and was instantly approved for $15k!! I’m shocked!! This is my highest limit yet!

My credit score is 560. I have 13k in available credit with Capital One and Wells Fargo. I also have a NFCU CashRewards card with a credit limit of $2600 and a balance of $2500. I usually pay off my balance in full which I will do in a couple of days. My income is $65k/year. I have 1 collection that is paid off. I think the reason my score is so low is because I have 7 lates on my student loans and 4 lates on my car loan. Working on trying to get them off now.

Anyway.. NFCU is the best!!

[CivalV]

Wow! 15K SL 🤩 congratulations 🎊🎉

Did they pull your TU score? And what was your overall UTL %?

[Anonymous]

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@Anonymous wrote:
Hello all,

I decided to randomly apply for the NFCU GoRewards card and was instantly approved for $15k!! I’m shocked!! This is my highest limit yet!

My credit score is 560. I have 13k in available credit with Capital One and Wells Fargo. I also have a NFCU CashRewards card with a credit limit of $2600 and a balance of $2500. I usually pay off my balance in full which I will do in a couple of days. My income is $65k/year. I have 1 collection that is paid off. I think the reason my score is so low is because I have 7 lates on my student loans and 4 lates on my car loan. Working on trying to get them off now.

Anyway.. NFCU is the best!!

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Wow! What a great surprise that approval must have been.

Care to share some more specifics about your situation -- length of time a member; how old your other Navy card? You might inspire some others to take a leap. 

[Anonymous]

Holy wow. Congrats! 15k on a 560 score. You've must've built a great relationship with them. Awesome.

[Anonymous]

Congrat-ru-rations!  

[Anonymous]

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@CivalV wrote:
Wow! 15K SL 🤩 congratulations 🎊🎉

Did they pull your TU score? And what was your overall UTL %?

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Thank you! Yes they pulled my TU. My overall utilization is at 21%.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Hello all,

I decided to randomly apply for the NFCU GoRewards card and was instantly approved for $15k!! I’m shocked!! This is my highest limit yet!

My credit score is 560. I have 13k in available credit with Capital One and Wells Fargo. I also have a NFCU CashRewards card with a credit limit of $2600 and a balance of $2500. I usually pay off my balance in full which I will do in a couple of days. My income is $65k/year. I have 1 collection that is paid off. I think the reason my score is so low is because I have 7 lates on my student loans and 4 lates on my car loan. Working on trying to get them off now.

Anyway.. NFCU is the best!!

---

Wow! What a great surprise that approval must have been.

Care to share some more specifics about your situation -- length of time a member; how old your other Navy card? You might inspire some others to take a leap. 

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Of course! I have been a NFCU member for 2 years and 2 months. My NFCU CashRewards is 2 years old. I've never been late on my payments with NFCU. I usually pay my balance down in full every couple of months or make large payments.

[Anonymous]

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@Anonymous wrote:
Holy wow. Congrats! 15k on a 560 score. You've must've built a great relationship with them. Awesome.

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Yes I was extremely shocked. I called them to make sure it was real and they confirmed it was lol!

[crys12065]

Congrats!!  That's a monster SL!  Navy is awesome!

[CivalV]

Thank you for sharing! Ive got about 40% of UTL that needs to be carved off before I app for NFCU. Hopefully they love me as much as they love you haha