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