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NFCU More Rewards Amex Approval

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Muscledad
New Member

NFCU More Rewards Amex Approval

Hello everyone. I had posted a few weeks ago about getting a preapp for the Bread Financial Amex. While the 2% cashback was appealing, the APR was not and other members received preapps with a good SUB and I did not. This did get me thinking about getting an Amex though as I have not had one in a while.

 

I have been getting monthly preapps from NFCU for their More Rewards Amex so I decided to try it.  The offer was as follows:

 

40k NFCU Points after spending $4k within four months. I have some insurance premiums coming up and this should not be difficult.  The bonus points will equal $400 in cashback or other redemption credit which is awesome.

 

An APR ranging from 14.90 percent to 22.90 percent. 

 

And a no fee 12-month BT offer at 0.99 percent APR.

 

I applied and was approved instantly for $30k at the lowest APR of 14.9% which I am very happy about.

 

NFCU pulls Transunion and my Fico Score 8  is about a 798. If I get an underwriting approval letter with my welcome packet and card, I will update here.

 

I am very happy with NFCU and I look forward to getting my new NFCU Amex!

Message 1 of 13
12 REPLIES 12
CreditMagic7
Mega Contributor

Re: NFCU More Rewards Amex Approval

Congratulations on your NOV 22 CLI.jpgMore Rewards AmEx Approval!

Message 2 of 13
Jeffster1
Valued Contributor

Re: NFCU More Rewards Amex Approval

Congrats! NFCU rocks. 

FICO 8 (1/21/24) EX 805 EQ 720 TU 844
FICO 9 (2/17/24) EX 821 EQ 778 TU 850
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors Surpass 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 1.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I Affinity Pure Rewards Visa 5K
Message 3 of 13
GatoradeZeroGuy
Valued Contributor

Re: NFCU More Rewards Amex Approval


@Muscledad wrote:

. If I get an underwriting approval letter with my welcome packet and card, I will update here.

if they send you anything, it would be Navy's internal score for you, not your FICO 9, but if you do get an internal score sent to you for this approval, pls do update, I assume since you got the lowest APR, there won't be one issued, but I could be wrong

 


amazing approval, sub and CL, congrats!!

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 4 of 13
Im-back
New Contributor

Re: NFCU More Rewards Amex Approval

NFCU delivers 

Message 5 of 13
JoeRockhead
Senior Contributor

Re: NFCU More Rewards Amex Approval

Pretty impressive SL being your first card with them, congratulations! 

Message 6 of 13
EAT_SLEEP_JEEP
Valued Contributor

Re: NFCU More Rewards Amex Approval

Congrats on the approval and nice sub

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $38,000 CL/ NFCU MORE REWARDS $33,000 /

SOCKDRAWERED FNBO JEEP CARD $7700/ FNBO FORDPASS REWARDS $1000/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
Message 7 of 13
Priory_Man
Valued Contributor

Re: NFCU More Rewards Amex Approval

Congrats on your approval and a great SL






"Total revolving credit $286,000 Current UTIL >1%"
Message 8 of 13
BigBS
Senior Contributor

Re: NFCU More Rewards Amex Approval

Congrats on the awesome approval!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 9 of 13
coreyb80
Super Contributor

Re: NFCU More Rewards Amex Approval

Congrats on the great approval!

Message 10 of 13
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