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I've been waiting for all of my baddies to fall off. About 3 weeks ago thanks to forum members I checked my Fico 8 and it was a 720. I would've thought low to mid 600's. So I prequal and app'd for Discover and Amex. Got the Discover with 10k SL and the PRG. It's been 3 weeks and wasn't really planning on app'ing for anything else until March of next year. I would go and check the prequal sites once a week just to see once my scores changed if anything changed on prequals.
Last week I joined USAA and NFCU. I am holding off a bit for PenFed since they hard pull for membership. But even though the prequal sites haven't been too kind I app'd tonight for some reason to NFCU and figured I'd try for the platinum.
Approved [email protected]%. So now I am done for sure until March when my first cc hits year 1. But now that I will have 3 revolvers and a charge in addition to a car loan, I should be able to start picking up my scores with gardening. I 708-718 on CCT tonight between all 3 bureaus. So something said go for it in my head.
I know it's not their best card but now I'm in and can prove myself for better cards with them and hopefully be able with 2/3 cards at 10k will open doors all around.




































Congrats on your approvals! Nice SL's as well ![]()
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Congratulations on your approval!










Nicely done! And thank you for sharing specific DPs.
Congrats on your NFCU Platinum approval! Solid SL and APR! ![]()
Low APR, nice SL, no fees.....what's not to like about that? Congrats!
@Anonymous wrote:I've been waiting for all of my baddies to fall off. About 3 weeks ago thanks to forum members I checked my Fico 8 and it was a 720. I would've thought low to mid 600's. So I prequal and app'd for Discover and Amex. Got the Discover with 10k SL and the PRG. It's been 3 weeks and wasn't really planning on app'ing for anything else until March of next year. I would go and check the prequal sites once a week just to see once my scores changed if anything changed on prequals.
Last week I joined USAA and NFCU. I am holding off a bit for PenFed since they hard pull for membership. But even though the prequal sites haven't been too kind I app'd tonight for some reason to NFCU and figured I'd try for the platinum.
Approved [email protected]%. So now I am done for sure until March when my first cc hits year 1. But now that I will have 3 revolvers and a charge in addition to a car loan, I should be able to start picking up my scores with gardening. I 708-718 on CCT tonight between all 3 bureaus. So something said go for it in my head.
I know it's not their best card but now I'm in and can prove myself for better cards with them and hopefully be able with 2/3 cards at 10k will open doors all around.
Congrats on the approval!
Also, if you think you might need to carry a balance the Platinum absolutely is NFCU's best card! ![]()
(So many people think the Platinum is a 'starter' card because they conflate it with the Capital One product of the same name, but that's comparing apples and oranges - NFCU is not Capital One.)