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NFCU Platinum approval

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Valued Member

NFCU Platinum approval

I joined Navy Fed yesterday since my daughter is a member.  I debated applying for a card since I am holding out for a new Chase card - I'll be 4/24 in December.  But DANG the Platinum's terms are so attractive compared to Chase!  No fee balance transfer and lowest APR I have seen anywhere?!  I really needed a balance transfer card so I pulled the trigger and approved for $10,000 with 0% BT and the LOW LOW LOW 7.74% APR after that!  While my SL is not nearly as impressive as someone else's approval earlier today (I DID congratulate him though Smiley Wink ), I am more than pleased with that rate.  

 

 

Message 1 of 15
14 REPLIES 14
Valued Member

Re: NFCU Platinum approval

Well done and congrats. NFCU is awesome to work with. 

Message 2 of 15
Community Leader
Super Contributor

Re: NFCU Platinum approval

Congrats on the approval!

Message 3 of 15
Community Leader
Senior Contributor

Re: NFCU Platinum approval

Congrats on your approval! 

AMEX Platinum, Gold, Reserve & SPG | PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I
Message 4 of 15
Valued Contributor

Re: NFCU Platinum approval


@Livvi wrote:

... approved for $10,000 ....  

 


Good for you. Congratulations. Do you have any data points you'd care  to share with the masses?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


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Message 5 of 15
Valued Member

Re: NFCU Platinum approval

 

Not sure if they used FICO9 or if they have their own internal scoring - some threads have indicated both?  

Pretty sure they pulled TU  which is 778 (FICO9 according to Penfed )

FICO8 EX is 764 

FICO8 EQ is 762

Total income is $110k

Those seem like decent numbers but my overall utilization is 20%.  I have a thick file with a number of trade lines, mortgage, student loans etc. 

 

Message 6 of 15
Community Leader
Super Contributor

Re: NFCU Platinum approval

Great jobSmiley Happy. With your stats and income, Navy will be your oysterSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 15
Community Leader
Super Contributor

Re: NFCU Platinum approval

Great jobSmiley Happy. With your stats and income, Navy will be your oysterSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 15
Valued Contributor

Re: NFCU Platinum approval

Congrats on your new NFCU Platinum! Your 2nd card in 91 days will be $25k for sure! Smiley Very Happy





Message 9 of 15
Frequent Contributor

Re: NFCU Platinum approval

Congrats on your approval and that SL isn't too shabby either!

tenor.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 10 of 15
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