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NFCU Platinum Approval

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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:


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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Legendary Contributor

Re: NFCU Platinum Approval

Congrats on your Navy Platinum Approval!

Message 2 of 11
Regular 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 November 23, 2022:

The Beginning - 7/2020
Central Bank Only Card MC (Began as $250 secured) --> $2000 unsecured
** 8/2021 Joined MyFico **
2021 New Cards (Aug.-Dec.)
BoA BankAmericard WMC $1200 --> $500 | BoA Customized Cash Rewards VS $1200 --> $1900 | Cap1 Quicksilver WEMC $3000 --> $3100 | FNBO Evergreen VS $3800 --> $11,300 | DISCOVER IT Cash $3000 | Lowes $4000
2022 New Cards (Jan.-March)
Citi Costco Anywhere VS $6000 | Commerce Bank Special Connections V $1000 | Cap1 Walmart Rewards WEMC $3000
NFCU More Rewards Amex $14,800 | PenFed Platinum VS $9000 | AMEX BCP $2000 | Bank of the West CB WMC $8000

** Retired/Low Income south of $20k **
No Loan or Mortgage History
No BK, lates, derog's, collections or other baddies
Message 3 of 11
Valued Contributor

Re: NFCU Platinum Approval



{ BK7 DC 12/2019 } target 1000/ kohls 3000/ discover IT cb 5500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 7.5k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 6k

>/ nfcu platinum 3k, 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
Message 4 of 11
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.

[2x] AU Amex Cards
Message 5 of 11
Community Leader
Super Contributor

Re: NFCU Platinum Approval

Congratulations on your NFCU Platinum approval!

Current Cards (in order of approval):

Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 M):  
Banks & CUs:                           Goal Cards:
Message 6 of 11
Valued Contributor

Re: NFCU Platinum Approval

Congrats on your NFCU Platinum approval

Message 7 of 11
Regular Contributor

Re: NFCU Platinum Approval

Congratulations on the Approval.



Starting FICO 8 Scores:

Current FICO 8 Scores:
Message 8 of 11
Community Leader
Senior Contributor

Re: NFCU Platinum Approval

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

Message 9 of 11

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 | $6100
Capital One QS SL $300 | $4600
Credit One Platinum SL $300 | $1150
Credit One Platinum SL $500 | $1150
Chase Freedom Unlimited SL $3700 | $7500
Chase Sapphire Preferred SL $5000
Patelco Pure SL $3000 | $13000
X1 SL $17000
Message 10 of 11
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