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Hi all. I've been gardening for sometime. Scores are in the high 5's. I have real thin file these days. 2 Bads that fall off next year 1 Citi Secured Card ($200) and a pledge loan through NFCU ($1,000). Anyways I got an email invitation to apply for NFCU CashRewards (I was like never in a million years am I going to get approved). Decided to call in and did a soft pull for prequals the rep said "preapproved". Then we went through the application and low and behold Congrats! You're Approved with a $5K limit. How this happened wow no idea???? Question should I app for one more card or revolver and go back to gardening......
Best
@buildingitbackup wrote:Question should I app for one more card or revolver and go back to gardening......
Perhaps garden for a spell? I'd go after a 2nd and 3rd Navy card at 91/3 intervals.
Congratulations on your NFCU CR Approval..
Grats on the NFCU approval
Big Congrats on that NFCU new approval!
@buildingitbackup wrote:Hi all. I've been gardening for sometime. Scores are in the high 5's. I have real thin file these days. 2 Bads that fall off next year 1 Citi Secured Card ($200) and a pledge loan through NFCU ($1,000). Anyways I got an email invitation to apply for NFCU CashRewards (I was like never in a million years am I going to get approved). Decided to call in and did a soft pull for prequals the rep said "preapproved". Then we went through the application and low and behold Congrats! You're Approved with a $5K limit. How this happened wow no idea???? Question should I app for one more card or revolver and go back to gardening......
Best
Wow, thats amazing. One reason i always say go for it with Navy even if the chances are not realistic lol. Ive gotten approvals when i know i shouldnt have.
If you are still in 500's do not keep applying for cards. Navy is great in that they will give you a chance even on low scores/ baddies. Most other lenders will not. Enjoy this incredible approval
Congrats on your approval and good luck with your rebuild
You gotta great SL there!! Take care of that card and skies the limit with NFCU!!
Wait at least 91 days and 3 full statements before applying for a 2nd CC or CLI.
Congratulations on your NFCU approval!