@Anonymous wrote:YAAAAYYYY this is not a big win for many here but it is for me. After some helpful encouragement from some members on another post I decided to take advantage of my eligibility for an NFCU account. Opened regular checking and share account, logged in on my PC, saw Cash Rewards under My Offers and applied. All within the past hour and a half. I did that thing where you cover your eyes and even told my SO "don't look at my screen!!!" LOL until I had the courage to look and saw it was approved at 17.24% and $1000 SL. That makes this my best card so far and I know from my reading here that it will grow as will future cards with them.
DPs (don't judge me please, I'm well aware how waiting a couple months could have helped me here
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FICO 8 - EXP 664 EQ 656 TU ??? It was 634 when I got my scores update but after that I had a paid off balance report on TU finally (paid down one card from like 80% to 1%, has a monthly fee so can't show 0 balance on the darn thing) so I expect it was in range of the other two as of today...
Total utilization 35% - all 5 cards showing at least some balance with two of them around 80% util
No collections or other major derogs, one 30 day late from 20 months ago
No open loans but a positive paid closed one
AAoA on TU - 4 years 7 months
AoYA - 3 months
Inquiries - 3 on TU, 2 each on the others
Income under 30k, DTI 3%
The rep that set up my account was AWESOME, spent almost an hour on the phone with her and it just felt like talking with a friend.
What do you mean this is not a big win for many here? Getting in with Navy Fed, period, is a big win! Congrats on the approval! Its a very big deal! 