Showing results for 
Search instead for 
Did you mean: 

NFCU DENIED!!! and approved

Valued Member

NFCU DENIED!!! and approved

Good afternoon folks.

     For the life of me, I cannot get a NFCU credit card (except for the secured card i got 2 months ago).

Im ex navy, and been a member since 92.  My credit scores all hover around 636, one baddy from a medical collection i had 2 years ago (it was only in collections for 3 months).  I have never burned NFCU, and i have about 7 inq on each bureau.  My utilization is at 50%, several cards with limits of 2k, 1.5K and $1000 are paid in full.  I got denied this morning for cash rewards, but then tried for a CLOC to pay off some of my subprime cards, asked for 2k, and it WAS APPROVED!!!! It would be so much easier to get a card with them, but they just say i dont meet their criteria, but they will give me a cloc for $2000.  what gives?

Message 1 of 5
Mega Contributor

Re: NFCU DENIED!!! and approved

Pay off those credit cards, pay off the CLOC, and then try again. Utilization + baddies are a red flag that may just be too much for their CC UW. 


The people who do the CLOCs do the auto loans and use different criteria. They also use EQ instead of TU so if TU is dirtier than EQ that can help explain it too. 


Congrats on the CLOC though!

Message 2 of 5
Senior Contributor

Re: NFCU DENIED!!! and approved

Congrats on approval!!!!


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 5
Regular Contributor

Re: NFCU DENIED!!! and approved

Congrats on the approval. Work up that CLOC. Use it a couple of times and try again. Also, getting those limits down would help with Navy. I was in the same boat, it took me 2 chances. First application I had a util of about 54%, I was denied for all products. Second application after about 3 months, I had a util of 6% and was approved. 


I had 2 collections on my report at the time of application both times and my scores were a little lower than what yours show. They are big on utilization from what I have noticed during my application processes. 

Starting Score: TU 527, EQ 543, EX 563
Current Score: TU 690, EQ 677, EX 694
Goal Score:725 Across The Board

Take the myFICO Fitness Challenge
Message 4 of 5
Valued Contributor

Re: NFCU DENIED!!! and approved


awesome congratulations GIF by Slanted Studios

CONGRATS on your CLOC Approval and Welcome to the FORUMS!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.