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NFCU - First card and approval after 24/48hr message

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Anonymous
Not applicable

NFCU - First card and approval after 24/48hr message


Hey there , 

 

so I decided to finally joint NFCU about three weeks ago after reading tons of good things about them and realizing I met the requirements to join due to my grandfathers being in the army ( Even know the reps didn't ask for any info at all besides what family member I had that was in the Milatary , but didn't ask for any proof ) I applied and was told I would find out in 3-5 days if I was approved to become a member. 

On the second day I got an email asking for more proof of ID , I sent that in and waited. On the fourth day I recieved my welcome email saying I was now a member. 

fast forward about to last night and I decided to take a chance on applying for a credit card with them. After doing a lot of reading on the forums here It seemed most ppl had luck apping for a card right after joining with barley no history with them. I took the chance as well and received a email stating they would have a decision within 24-48hrs. That kind of bummed me out seeing as I'm always used to it being a denial when ever something like that happens. 

luckily that wasn't the case this time. I received the email about an hour ago saying -  Your approved for the NFCU Amex more rewards card. I figured if I did get approved I'd barley get in the door due to 2 recent late payments in the last year with comenity. To my surprise they offered me a $3000 SL with a APR of 12.99%. That's my lowest interest rate yet. I'm more then excited to start my journey with them and build a great relationship. Within 90 days I'll be apping for my second card with them and hope to hit it big like I see most have had happened when applying for there second card with them. I'm glad they looked past the recent lates and gave me a chance. There customer service has also been nothing short of top knotch.

Here's some data points for anyone that might want them 

 

They pulled soley from transunion. 

 

FICO SCORES 

Experian Fico 8 -  701 

Transunion Fico 8 - 681 ( As of last month I expect it to go up a bit when it updated on the 10th)
Equifax Fico 8 - 699

 

FAKO SCORES 

Transunion - 754 

Equifax - 754


98% payment history 

Utlization - 1% 

Open accounts - 11 counting this new one now. 7 are mine and 4 I'm an AU on 

Average age of credit - 5yrs 4months

Collections - None 

Hard Inquires - 1/0/0 

 

BADDIES - 

- 30/60 day late with Comenity from Jan/Feb of 2020 about 10/ 11 months old since my most recent late. 
- 30/60 day late with Discover from 2018 

I've had no success getting ethier company to goodwill adjust the lates but I haven't given up yet. The Comenity late is still holding me back greatly since it's so new. Hoping to have some luck getting it removed soon as it ages a bit more. 

All in all I'm pretty darn excited to finally be getting somewhere on this credit journey after many years of just trading water - I'm finally starting to get somewhat higher limit cards then your typical bucketed $200-1000 cards. I was also Recently approved for the Apple Card 3 months ago and that was a 3k limit as well and was able to avoid a hard inquiry by doing the trick where your freeze your report after they do the soft pull so that was a plus.

 

It's been a long journey and I'm planning on apping for a few more cards but not until I get that recent comenity baddie removed to ensure my best chance on getting higher limit cards and approvals with some of the big dog companies. 

 

Anyways that's my story , I can't wait to see what the future holds as a NFCU customer. Thanks for all the help I've gotten on this forum from the many great members. 

Peace! 

 

Ps - I've seen some people say after being approved for a card with NFCU before activating the card they called in and said they were hoping for a higher credit limit that fits there monthly spending and have had success with them upping it. Would you say that's worth a try or don't do it and just use the card for 3 months and then app for a second one where it will most likely be higher ? 

 

 

 

 

 

 

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16 REPLIES 16
AllZero
Mega Contributor

Re: NFCU - First card and approval after 24/48hr message

Congratulations on your approval!

Message 2 of 17
OmarGB9
Community Leader
Super Contributor

Re: NFCU - First card and approval after 24/48hr message

Congrats! Just remember it's 91 days and 3 FULL statements. Smiley Wink


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 17
Anonymous
Not applicable

Re: NFCU - First card and approval after 24/48hr message

Congratulations!

Message 4 of 17
CreditAggie
Community Leader
Super Contributor

Re: NFCU - First card and approval after 24/48hr message

Congratulations on your NFCU approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 17
JoeLuvsHisCredit
Valued Contributor

Re: NFCU - First card and approval after 24/48hr message

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Message 6 of 17
M_Smart007
Legendary Contributor

Re: NFCU - First card and approval after 24/48hr message

Congratulations!

Message 7 of 17
gdale6
Moderator Emeritus

Re: NFCU - First card and approval after 24/48hr message

Grats on getting in the NFCU door!!

Message 8 of 17
gingerflower
Valued Contributor

Re: NFCU - First card and approval after 24/48hr message

Congratulations on your Nfcu Amx approval!

Message 9 of 17
RobertJ
Established Contributor

Re: NFCU - First card and approval after 24/48hr message

Congrats on the approval and hard work it took to get there!  Treat Navy well, and they'll return the favor.  




Message 10 of 17
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