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NFCU Approval

readytoclimb
Established Member

NFCU Approval

Rebuilding my credit. Got approved for $700 with NFCU cash rewards card. Very low compared to other limits I’ve read on here, but I have to start somewhere. I’m just excited that I was approved. Was recently denied for Discover and Chase cards.

My Wallet:
NavyFed Cash Rewards - $1200 | OpenSky Secured - $250 | Credit One Platinum - $800 & Credit One- $450 | Chase Freedom Unlm AU - $1800 | Capital One Platinum AU - $1500 | Capital One Silver - $400


Message 1 of 15
14 REPLIES 14
19eighty5
Senior Contributor

Re: NFCU Approval

Congratulations!

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 2 of 15
ttulaw
Established Contributor

Re: NFCU Approval

Confrats! NFCU is good, use it responsibly for 6-12 months and they’ve got plenty of other good cards and you’ll be fine for discover. Chase will want to see 1 yr+ of responsible revolving, unsecured bank credit, they are also inquiry sensitive.






Message 3 of 15
alohawinn
Established Contributor

Re: NFCU Approval

Welcome to NFCU family. Congrats.





Amex Platinum NSPL || Amex Everyday $2k || Amex BonVoy $10k || Amex HH Surpass $16k|| Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.6|| Walmart store $8.5K
Message 4 of 15
austingal
Regular Contributor

Re: NFCU Approval

Congrats! NFCU is awesome. Your card will grow. August will be two years that I started with them with a $500 secured card. It unsecured at one year and they have given me auto CLIs to where my limit is now $3000.

Message 5 of 15
doinit1
Valued Contributor

Re: NFCU Approval

Congrats on your approval. Keep up the good work and it will definately grow......Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 6 of 15
James_A
Valued Contributor

Re: NFCU Approval

Congrats, rtc!

While you're at it did you consider asking for a CLOC? Your EQ score is much higher, it seems you'd be a good candidate. Just a thought.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 7 of 15
readytoclimb
Established Member

Re: NFCU Approval

James - do I call them to ask for the cloc or is this something I could apply for online. Will this be a second hp or do they use the scores from the cc pull?
My Wallet:
NavyFed Cash Rewards - $1200 | OpenSky Secured - $250 | Credit One Platinum - $800 & Credit One- $450 | Chase Freedom Unlm AU - $1800 | Capital One Platinum AU - $1500 | Capital One Silver - $400


Message 8 of 15
James_A
Valued Contributor

Re: NFCU Approval

I've read they use TU for CC and EQ for PLOC, so it would be another HP. 

I'm waiting on a score bump next week then I plan to apply for both. Not all HP are equal. To me 2 NFCU HPs seem well spent.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 9 of 15
readytoclimb
Established Member

Re: NFCU Approval

Ok thx for the info. I will update the board on whether or not it was successful.
My Wallet:
NavyFed Cash Rewards - $1200 | OpenSky Secured - $250 | Credit One Platinum - $800 & Credit One- $450 | Chase Freedom Unlm AU - $1800 | Capital One Platinum AU - $1500 | Capital One Silver - $400


Message 10 of 15
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