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NFCU More Rewards Approval!

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SmileNWave
Contributor

NFCU More Rewards Approval!

I'd opened accounts with NFCU recently, and they'd been showing me no love on their preapproval (only their secured card). However, after I made a relatively large deposit into the account, it started showing me all of their cards consistently. So, I decided to try my luck with their More Rewards. It makes the most sense for me, with where I am currently in my life and carreer. It doesn't match my Amex Gold in food or supermarket rewards, but it has no AF. And it beats both my Gold and my Discover in gas rewards, not to mention it has the largest credit line of any card I own (Amex doesn't give me much love in the Gold after some fraud alerts, went from $10k approved no questions asked to barely 3k when it wants to). I'm really happy with that SL and I hope it grows!

 

Anyways, I suppose I shall stop rambling about myself and give some DP's:

Pulled TU FICO8 (731 before app)

2/12 inquiries before app (TU for some reason is not reporting my Discover INQ from when I opened the secured card with them)

INC 47.5k/yr

AAoA: 7mo

 

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Message 1 of 15
14 REPLIES 14
OmarGB9
Community Leader
Super Contributor

Re: NFCU More Rewards Approval!

Congrats! Treat it well and it'll grow quickly. Smiley Wink

 

Also, for future reference, Navy's prequal is useless and unreliable. Never go by it. At least not the way it works now.


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 2 of 15
SmileNWave
Contributor

Re: NFCU More Rewards Approval!

Thank you! I just went for it because I figured the risk of a HP was worth it. I've seen similar credit profiles to mine here get better cards from them.

 

Just out of curiousity, what seems to be the general consensus on getting Navy cards to grow? I know that Discover loves to see the credit limit being put to use.

Message 3 of 15
Elpadrino1
Valued Contributor

Re: NFCU More Rewards Approval!

Congratulations on your Navy approval!!

Message 4 of 15
OmarGB9
Community Leader
Super Contributor

Re: NFCU More Rewards Approval!


@SmileNWave wrote:

Thank you! I just went for it because I figured the risk of a HP was worth it. I've seen similar credit profiles to mine here get better cards from them.

 

Just out of curiousity, what seems to be the general consensus on getting Navy cards to grow? I know that Discover loves to see the credit limit being put to use.


Honestly Navy is easy. Just put some spend and pay on time. Some people even get CLIs with NO spend for a while. Go figure.


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 5 of 15
CreditMagic7
Mega Contributor

Re: NFCU More Rewards Approval!

Congratulations on your Navy More Rewards approval!!

 
Message 6 of 15
Fico82
Frequent Contributor

Re: NFCU More Rewards Approval!

Congrats ! 

 

Navy is good to have 🤘







Message 7 of 15
CreditAggie
Community Leader
Super Contributor

Re: NFCU More Rewards Approval!

Congratulations on your NFCU More Rewards approval!

Current Cards (in order of approval):

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

Message 8 of 15
Anonymalous
Valued Contributor

Re: NFCU More Rewards Approval!

Congrats, it's a nice card!

 

Out of curiosity, what's the SL you're so happy with?

 

 

Message 9 of 15
M_Smart007
Legendary Contributor

Re: NFCU More Rewards Approval!

Congratulations on your More Rewards Approval!

Message 10 of 15
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