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NFCU Platinum $500

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Boragard
Established Contributor

Re: NFCU Platinum $500


@PapaTunde wrote:

OK I gotta ask ...

You have $300k in available open credit yet you are "fine" with a $500 SL ?

If that were me, Id be miffed

 


This card is indeed the lowest in my portfolio, but yes, I'm ok with the low limit for now because I'm sure it will grow in the future.  It's all about patience my friend. I'm just happy to be a member and to prove I'm worthy of a bigger credit line in the future.  

 

Message 11 of 20
OmarGB9
Community Leader
Super Contributor

Re: NFCU Platinum $500


@Boragard wrote:

@PapaTunde wrote:

OK I gotta ask ...

You have $300k in available open credit yet you are "fine" with a $500 SL ?

If that were me, Id be miffed

 


This card is indeed the lowest in my portfolio, but yes, I'm ok with the low limit for now because I'm sure it will grow in the future.  It's all about patience my friend. I'm just happy to be a member and to prove I'm worthy of a bigger credit line in the future.  

 


Congrats! And that's a great outlook. Smiley Happy


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 12 of 20
babygirl1256
Senior Contributor

Re: NFCU Platinum $500

Congrats on your NFCU Platinum card.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 13 of 20
Brian_Earl_Spilner
Credit Mentor

Re: NFCU Platinum $500

Congrats. Your attitude regarding the lower limit is refreshing.

    
Message 14 of 20
Boragard
Established Contributor

Re: NFCU Platinum $500


@Brian_Earl_Spilner wrote:

Congrats. Your attitude regarding the lower limit is refreshing.


Thanks.  I  try to see the positive in everything.  

Message 15 of 20
NalekSok
Regular Contributor

Re: NFCU Platinum $500

Congratulations on your approval! 🎉






Message 16 of 20
CreditAggie
Community Leader
Super Contributor

Re: NFCU Platinum $500

Congratulations on your NFCU membership and Platinum approval! I joined them last year and their deposit accounts are solid. I hope to get their More Rewards and Flagship cards in the future!

Current Cards (in order of approval):

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

Message 17 of 20
Brooklyn2018
Valued Contributor

Re: NFCU Platinum $500


@Boragard wrote:

It has been my goal to become a member of NFCU since 2013 when I joined myfico forums.  Yesterday, that day finally happened and today I applied for the Platinum card and was approved for $500.  I'm fine with that limit because I know it will grow over time.  Keynotes:  They pulled TU score was 692 (my lowest of all 3 & 25 inqs!).  I hear they pull from EQ when they do CLIs and thats my best at 736 & 7 inqs, so its promising.  I have approx $300k available and 10% utl, My oldest file is 19 years.  Hope this helps all who is searching.  Be well!


Congratulations @Boragard @on your Approval....it will grow👍

 

(End of 2019)my first NFCU CC(cashRewards) was $500, too(now $4500.)A month later a$36,700 auto loan. 91/3 later(moreREWARDS) $10k(now $15.5k)

 

as a side: I plan on app'g for the Platinum. Also, want to plant some $ in a CD...I'll wait about a year and a few months for the Platinum--Need to garden and let the dust settle(recent approvals) Slow and Steady wins the race!😉

 

I❤️NY



eta:corrections


Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 18 of 20
SUPERSQUID
Valued Contributor

Re: NFCU Platinum $500


@Boragard wrote:

@PapaTunde wrote:

OK I gotta ask ...

You have $300k in available open credit yet you are "fine" with a $500 SL ?

If that were me, Id be miffed

 


This card is indeed the lowest in my portfolio, but yes, I'm ok with the low limit for now because I'm sure it will grow in the future.  It's all about patience my friend. I'm just happy to be a member and to prove I'm worthy of a bigger credit line in the future.  

 


Those navy cards soar high quickly. i opened a cash rewards last dec 25th 3700 sl, the card is 15,700 cl now in 11 months

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 19 of 20
Boragard
Established Contributor

Re: NFCU Platinum $500

Thank you all so much for the love!  Just an FYI my credit limit is now $1500! 

Message 20 of 20
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