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NFCU CashRewards Surprise Approval/SL

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Contributor

NFCU CashRewards Surprise Approval/SL

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! Smiley Very Happy

FAKO: TU (677) EQ (664)
FICO8: TU (638) EQ (623)EXP (662)
Entering the Garden Sometime in 2017
Goal: Low 700's by the end of 2017
AMEX Plat | PRG | Delta Gold $5,000 | BCE $1,000 Barclay Rewards MC $1500 PenFed Power Cash Rewards Visa $4500 | OLOC $500 Capital One QS $1700 / QS1 $1800 USAA Secured AMEX $1000 BoA Secured Cash Rewards $500 Discover It Secured $2500 NavyFed NRewards Secured $2000 | PLOC $2500
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9 REPLIES 9
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Regular Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congrats on the approval and great SL!
Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
8/10/2019 - FICO 8 Scores - EQ 706 TU 705 EQ 689
9/15/2019 - FICO 8 Scores - EQ 710 TU 713 EX 690
6/6/2020 - FICO 8 Scores EQ 717 TU 720 EX 683
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Valued Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congrats on the new Navy card and nice SL!





Message 3 of 10
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Moderator

Re: NFCU CashRewards Surprise Approval/SL

Grats on finally getting the card Smiley Happy
Message 4 of 10
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Epic Contributor

Re: NFCU CashRewards Surprise Approval/SL

"To me, this is an anomaly. I didn't believe the approval" & Welcome to Navy!

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Regular Contributor

Re: NFCU CashRewards Surprise Approval/SL

Wow!!! Congratulation on the approval!!!!

Message 6 of 10
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Valued Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congrats on your nfcu cc approval!




"Your ego is writing checks your body can't cash".
Message 7 of 10
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Senior Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congrats on your NFCU CashRewards approval and nice SL! Smiley Very Happy




Message 8 of 10
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Community Leader
Super Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congrats on your approval there

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 9 of 10
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Valued Contributor

Re: NFCU CashRewards Surprise Approval/SL

Congratulations on your approval and nice SL!!!








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