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NFCU FREAKIN' ROCKS!!

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NFCU FREAKIN' ROCKS!!

Rewind to June..

I open a NFCU account with $5, got a secured loan (immediately pd down to 9%) and applied for a Cash Rewards card (totally ready for a decline). Scores were in the low 600's with a 9 month deliquent Chase acct. Got approved for $1000 WOOT WOOT!

 

Things happen, stuff gets settled (more details in another thread later) .. badda-bing badda-boom, score rises and I'm feeling myself a little.

 

That brings me to today:

I applied for an Amex Delta Gold, DENIED😢 I didn't want to go to bed empty handed, so I tried for a CLI with Navy. Got the dreaded 24 hr notice (but my account started to reflect an available credit of $2400. Not much but, still WOOT-WOOT, right? I WANTED TO TELL YOU GUYS, I was excited! BUT, when I logged on, I found out that my better option would've been to app for a whole new NFCU CC🙄😢.

 

Geesh.. I can't take this roller coaster of emotions anymore. So, whatever, I might as well brace myself for a 3rd HP,  because a couple hrs (and a couple glasses of wine later) I started the app for a Navy Flagship Card. Knowing good and darn well, that there's a $5000 minimum. But, the spinny-thing starts spinning and the app starts processing..

Freaked out, Closed MY EYES, praying and clenching hard enough to crack a Walnut..

Opened my eyes and boom!  APPROVED...... for (get this)

$20,000!! Twenty . Thousand . Freakin' . Dollars!

Who has made this mistake?? I screenshotted it (no take-backs).. Back to my wine guys, it's been one heck of a ride🍷

 

 

 




CAPONE QUICKSILVER 74/$300
CAPONE PLATINUM SECURED 244/$750
CHASE FREEDOM UNLIMITED 286/1000
EX FICO 8= 568 (4/09/2019)
EX FICO 8= 601 (4/15/2019)
EX FICO 8= 611 (5/01/2019)
EX FICO 8= 614 (5/17/2019)
EX FICO 8= 644 (8/15/2019)
EX FICO 8= 704 (9/07/2019)
Message 1 of 15
14 REPLIES 14
Senior Contributor

Re: NFCU FREAKIN' ROCKS!!

Fantastic! Wait another 3 statements and 91 days for card #3.
Message 2 of 15
Frequent Contributor

Re: NFCU FREAKIN' ROCKS!!

Wow. Well done!! Scores Included



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 3 of 15
Established Member

Re: NFCU FREAKIN' ROCKS!!

On the Navy high too today ! Got a new auto loan back in May - Ally 14% . Just called Ally today inquiring about making a large payment to my account . Rep was really confused about whether it would be applied to my principal and gave me a total bull**bleep** run around. Signed up with Navy 2 weeks ago for checking and savings and a $500 platinum .Was happy with that . Got an email today from Navy inviting me to apply for a refinance . I figured why not since I was so annoyed with Ally . What’s another HP ? Lol. ! Put in an app ... I just transferred my direct deposit to Navy. . Took 2 hours before they replied. Approved at 4.3 % . .wth? I almost fell out of my chair!
Message 4 of 15

Re: NFCU FREAKIN' ROCKS!!

@AllZero

Sheesh! A third card?
The paint won't even be dry on the first one lol




CAPONE QUICKSILVER 74/$300
CAPONE PLATINUM SECURED 244/$750
CHASE FREEDOM UNLIMITED 286/1000
EX FICO 8= 568 (4/09/2019)
EX FICO 8= 601 (4/15/2019)
EX FICO 8= 611 (5/01/2019)
EX FICO 8= 614 (5/17/2019)
EX FICO 8= 644 (8/15/2019)
EX FICO 8= 704 (9/07/2019)
Message 5 of 15
Valued Contributor

Re: NFCU FREAKIN' ROCKS!!

Boom! It's a verrrry verrry early Xmas present! Congrats on your new NFCU Flagship approval! Smiley Very Happy

Currently: Gardening since 12/29/2019




Message 6 of 15
Senior Contributor

Re: NFCU FREAKIN' ROCKS!!


@CousinDingleBerry wrote:

@AllZero

Sheesh! A third card?
The paint won't even be dry on the first one lol


Lol. Mark your calender. Then, you can head to garden for a spell.

Message 7 of 15
Valued Contributor

Re: NFCU FREAKIN' ROCKS!!


@CousinDingleBerry wrote:

Rewind to June..

I open a NFCU account with $5, got a secured loan (immediately pd down to 9%) and applied for a Cash Rewards card (totally ready for a decline). Scores were in the low 600's with a 9 month deliquent Chase acct. Got approved for $1000 WOOT WOOT!

Things happen, stuff gets settled (more details in another thread later) .. badda-bing badda-boom, score rises and I'm feeling myself a little.

That brings me to today:

I applied for an Amex Delta Gold, DENIED😢 I didn't want to go to bed empty handed, so I tried for a CLI with Navy. Got the dreaded 24 hr notice (but my account started to reflect an available credit of $2400. Not much but, still WOOT-WOOT, right? I WANTED TO TELL YOU GUYS, I was excited! BUT, when I logged on, I found out that my better option would've been to app for a whole new NFCU CC🙄😢.

Geesh.. I can't take this roller coaster of emotions anymore. So, whatever, I might as well brace myself for a 3rd HP,  because a couple hrs (and a couple glasses of wine later) I started the app for a Navy Flagship Card. Knowing good and darn well, that there's a $5000 minimum. But, the spinny-thing starts spinning and the app starts processing..

Freaked out, Closed MY EYES, praying and clenching hard enough to crack a Walnut..

Opened my eyes and boom!  APPROVED...... for (get this)

$20,000!! Twenty . Thousand . Freakin' . Dollars!

Who has made this mistake?? I screenshotted it (no take-backs).. Back to my wine guys, it's been one heck of a ride🍷


That is totally A W E S O M E !!!

 

shocked_4.jpg

 

$20K is a huge step-up!! 

 

Navy does rock!  Maybe I need to get me some of that Navy Stuff before they give it all away! 

I would love to have their Platinum Card with super-low APR - currently as low as 7.99% APR!

And the Flagship seems like a great card also. 

 

Congrats again.  No wonder everybody loves Navy ...




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 8 of 15

Re: NFCU FREAKIN' ROCKS!!

@Aim_High 

PHFshht! That monkey 🤣 I almost spit my wine out!




CAPONE QUICKSILVER 74/$300
CAPONE PLATINUM SECURED 244/$750
CHASE FREEDOM UNLIMITED 286/1000
EX FICO 8= 568 (4/09/2019)
EX FICO 8= 601 (4/15/2019)
EX FICO 8= 611 (5/01/2019)
EX FICO 8= 614 (5/17/2019)
EX FICO 8= 644 (8/15/2019)
EX FICO 8= 704 (9/07/2019)
Message 9 of 15
Community Leader
Senior Contributor

Re: NFCU FREAKIN' ROCKS!!

That definitely calls for another bottle - congrats! Navy is loving you now Smiley Happy


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 10 of 15
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