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NFCU Platinum Approval

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IamWesty12
Frequent Contributor

NFCU Platinum Approval

Hey guys, first off Happy Thanksgiving to all.  Literally this forum and you have helped me transform my awful credit profile into what I am starting to slowly respect, I am forever grateful to myfico and y'all!   So thank you, continued blessings and be safe!

Back in Sept I joined NFCU w/ a checking acct, savings acct and immediately routed via direct deposit.  Just to diversify I dropped $100 into a CD with them as well.  Right after joining mid Sept 22 I used their "am I prequalified" link and the only option that returned was their secured cc.  I was a bit bummed but also understood the journey was started.  I had been toying around with trying the link again until last night when I did.  All 4 products showed up that I prequalied for including the two I was trying to compare (Platinum and More Rewards)  I know not to try for the Flagship rn and bloom another cc instead.  Up until now, my highest SL for a cc is my FNBO at $5400, followed by myGMC rewards at $4500).  Well I almost fell over when I pulled the trigger and app'd the Platinum and boom.....guys I was just approved for $20K SL, 0.9% balance transfer for 12 months then 15.9% after.  Interest is moot bc I will transfer my other balances and pay them down.  Seriously, less than 3 months ago (It was mid September 22) I started my relationship w/ NFCU w them "approving" me for a secured.  I had almost grabbed the secured as my thinking was it will still be a far superior card secured at $200 than an unsecured sub prime card but instead I decided to chill and wait.  Kinda thinking out loud rn but does this mean that from here on out I will be able to successfully apply for the other big guys?  Actually, I don't have a need to do so but just giddy rn and very thankful for all the advice I have read on this forum, including the dreaded advice about time and patience.   I appreciate each and every one of you that come on here daily and give your knowledge & advice and the experience you have been through.  Ummm, so far DP's here is what I believe current:

HI - TU

TU score 9 is 673

TU Bankcard score 9 is 678

 

Hope these DP's help as I know how much they have helped me.  Happy Thanksgiving!  

 

Starting Score: 461
Current Score: 689
Goal Score: 775


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10 REPLIES 10
M_Smart007
Legendary Contributor

Re: NFCU Platinum Approval

Congrats on your Navy Platinum Approval!

Message 2 of 11
Who_wuda_thought
Frequent Contributor

Re: NFCU Platinum Approval

CONGRATULATIONS on your first Navy cc and a terrific SL!!  🎉🍾

I know how you feel about this, as last month they blew me away with a much higher SL (1st NF cc) than I ever would have thought I'd get with my young profile and lower income.

Scores as of February 2, 2024:




Message 3 of 11
SUPERSQUID
Valued Contributor

Re: NFCU Platinum Approval

CONGRATS!!!!!

SAY HELLO TO A 20K SLSAY HELLO TO A 20K SL

{ 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 4 of 11
FLLGuy
Frequent Contributor

Re: NFCU Platinum Approval

@IamWesty12  - Fantastic start with NFCU and congrats well rewarded with a great SL- wow!

 

Thank you also for sharing your journey this will be helpful for many - NFCU strikes once more they grow fast.




Message 5 of 11
CreditAggie
Community Leader
Super Contributor

Re: NFCU Platinum Approval

Congratulations on your NFCU Platinum approval!

Current Cards (in order of approval):

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

Message 6 of 11
KingRue8500
Senior Contributor

Re: NFCU Platinum Approval

Congrats on your NFCU Platinum approval




Message 7 of 11
citymunky
Frequent Contributor

Re: NFCU Platinum Approval

Congratulations on the Approval.

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper (Jul21-Jul 2022), Sable {Secured} (Jan22-Jun23), CreditOne Platinum (Jul21-Aug23)

Starting FICO 8 Scores:
Current FICO 8 Scores:

Message 8 of 11
cashorcharge
Community Leader
Senior Contributor

Re: NFCU Platinum Approval

WooHoo!! Congratulations on your NFCU Approval!!👏🏼🍾🥂

Message 9 of 11
Cali_King
Valued Member

Re: NFCU Platinum Approval

Congratulations on your NFCU Platinum Approval! 20K SL = Amazing! 

“What’s in your wallet?” - Samuel L. Jackson

Apple Card SL $2000 | $8500
Capital One QS SL $300 | $6700
Capital One QS SL $300 | $4600
Chase Freedom Unlimited SL $3700 | $7500
Chase Sapphire Preferred SL $5000
Credit One Platinum SL $300 | $1150
Credit One Platinum SL $500 | $1150
Patelco Pure SL $3000 | $13000
Verizon Visa SL $4000 | $12000
X1 SL $17000 | $13800
Message 10 of 11
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