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I've been lurking for the last few years and occasionally viewing posts of interest. I recently received an 'invitation' to apply for NFCU's CashRewards credit card. I have been denied twice in the past for this card. The 'invitation' was for 3% for CB for the first 6 months and 1.5% thereafter. Lately, there have been approvals for this card with less than stellar stats (no insult intended to those individuals) which convinced me to take a chance. I was prepared for what would likely be another awesome denial. However, I was approved for $10K/18%/No Annual Fee.
My stats at the time of app are as follows:
Member since 2009
Current Income - $120K/Yr
Paying Mortgage
Fico8 - 629 Transunion
Bankcard8 - 597
Bankcard 9 - 578
AAOA - 4 Yrs 1 Mo
90% Utilization
2 Late payments in the last 8 months
2 Collections (Paid, 3 Yrs old)
To me, this is an anomaly. I didn't believe the approval, so I called Member Services and they verified everything I read on my application. My gamble paid off and I intend to cultivate a better relationship with NFCU. Thank you for taking the time to read this post. I was elated at the approval and couldn't help writing a novel about it. Cheers!
Congrats on the new Navy card and nice SL!
"To me, this is an anomaly. I didn't believe the approval" & Welcome to Navy!
Wow!!! Congratulation on the approval!!!!
Congrats on your nfcu cc approval!
Congrats on your NFCU CashRewards approval and nice SL!
Congrats on your approval there
Congratulations on your approval and nice SL!!!