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NFCU More Rewards Amex Approval

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NFCU More Rewards Amex Approval

I have been browsing these forums over the past couple of years. My first car ever was repossessed back in 2012. Tanking my unestablished credit to the low 400s. Since then I have paid off collections and my repo has fallen off. My scores are 640-700 depending on the CRA and running about 18-20% utilization accross all revolving accounts. My goal has been to qualify for a high limit card someday. NFCU has done it for me! I applied for an account over the summer and opened a secured card. After 6 months it still hasnt unsecured but I decided to call in and see if I was pre-qualified for anything. The agent told me I was pre-qualified for all of the cards and I decided to pull the trigger on the cash rewards. Instant Denial. I appealed and still denied. Something told me to apply for a different product and I am not entirely sure why but I did. Instantly Approved for the More Rewards Amex for 15K. I nearly had a heart attack! All the hard work has finally paid off. Thanks for all of the helpfull posts and information. Great Community of knowledge. Next Goal is a mortgage in the next few years (once my scores are at 750+).

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12 REPLIES 12
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Super Contributor

Re: NFCU More Rewards Amex Approval

Congratulations on your approval!
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New Member

Re: NFCU More Rewards Amex Approval

Totally Posted this in the wrong section! Someone please move it! Thankyou AllZero Smiley Very Happy

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Valued Contributor

Re: NFCU More Rewards Amex Approval

Great approval - congratulations!!
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
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Super Contributor

Re: NFCU More Rewards Amex Approval

FinStar is on it!
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Regular Contributor

Re: NFCU More Rewards Amex Approval

Congrats! Great turnaround!



"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
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Super Contributor

Re: NFCU More Rewards Amex Approval

 

Congrats on yer Navy approval and your rebuild success!

More Rewards is a Excellent card!

 

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Regular Contributor

Re: NFCU More Rewards Amex Approval

Congratulations! That’s one way to do it.

Interesting that the declined the cash rewards and approved the Amex. How long did you wait from one app to the next ?
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Frequent Contributor

Re: NFCU More Rewards Amex Approval

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Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $8k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
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Valued Contributor

Re: NFCU More Rewards Amex Approval

Congrats on your More Rewards approval!! I really like this card!

Odd that you were denied for the cash rewards card though. Interested to see what the denial reason is.
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