cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU Fail and Redemption

tag
OthTielo
New Contributor

NFCU Fail and Redemption

I know I said I would be gardening until next year, but after hearing that NFCU only pulls TU, I couldn't resist. I opened an account and made a beeline to the credit card section. I skimmed through their offerings and set my sights on the Flagship Rewards Visa. Once I submitted my application I got the "24 hour review" message. Two hours later, the denial came. Needless to say, I was disappointed, so I sent a secure message asking why I was denied. Here is the exchange.

IMG_20190809_214849.jpg

 

I took this message as an invitation to apply for another card. I did just that and applied for the Cash Rewards card. The results were:

IMG_20190809_214937.jpg

Sure, it was another hard pull on my TU but the results were worth it. DP are EX 740, EQ 746, TU 706, AAoA 5 yrs, AoOA 26 yrs. My ego is still a little bruised about not getting the Flagship, but the approval for the cash rewards is definitely helping me get over it. And with that, it's back to gardening. For real this time...

Message 1 of 12
11 REPLIES 11
CreditInspired
Super Contributor

Re: NFCU Fail and Redemption



WOO HOO! Congratulations on getting a concrete and positive answer, and successfully getting an approval with a nice SL. I was going to ask if they did another HP, but I see that they did. And yep, that can definitely dull the pain of not getting the Flagship.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 2 of 12
AverageJoesCredit
Legendary Contributor

Re: NFCU Fail and Redemption

CongratsSmiley Happy. Just goes to show, that $5k minimum isnt the deal breaker, so there must be more to the FS criteria.
Message 3 of 12
M_Smart007
Legendary Contributor

Re: NFCU Fail and Redemption

Congrats!!!

Message 4 of 12
gdale6
Moderator Emeritus

Re: NFCU Fail and Redemption

At first if you dont succeed, try again, sweet and congrats !
Message 5 of 12
Anonymous
Not applicable

Re: NFCU Fail and Redemption

Congrats on the CR VS approval!  Bummer for the Flagship and dble HP.   The CR will grow fast Smiley Happy

Message 6 of 12
Anonymous
Not applicable

Re: NFCU Fail and Redemption

Congrats on your NFCU CashReward approval and quick redemption!Smiley Very Happy

Message 7 of 12
Marz2002
Senior Contributor

Re: NFCU Fail and Redemption

CONGRATS  on your NFCU Cash Rewards card approval and the sweet SL - That's how it's done!!! 

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 8 of 12
Anonymous
Not applicable

Re: NFCU Fail and Redemption

I also noticed this data point directly and convincingly disputes the "common knowledge" stating the only qualification difference between the Flagship and other NFCU cards is the $5K minimum SL. 

Message 9 of 12
Meanmchine
Super Contributor

Re: NFCU Fail and Redemption

Congrats OP on your new approval

 

Do you have to have an existing credit account with NFCU in order to be approved for their Flagship card?

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.