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NFCU graduation and AMEX

TexasDom
Established Member

NFCU graduation and AMEX

This month marks 6 months with NFCU and they graduated my $5k card with no new pulls. My score is 666 on Experian.

 

Also was playing around on the AMEX site and went thru the pre-qualifyeer system, they said I could get the AMEX Hilton and I followed up with an application.

 

Was approved, only $1000 so I called the reconsideration line and was told they could not approve any higher till I received the card, then I should call back. 

 

So, currently I have:

NFCU unsecured $5k 6 months

Small CU secured $5k 6 months

PCB secured $200 6 months

ELAN secured $600 6 months

1st progress secured $200 6 months

1st progress secured $500 5 months

AMEX Hilton $1000 (New)

2 car loans (4 years on one and 7months the other )

Small bank loan

Not reported LOC loan 2 months old

 

Looks like another 6 months of gardening, but will ask NFCU in 3 months  and AMEX (soon) to raise limits

 

 

Starting Score: 533
Current Score: 666 (March 2021)
Goal Score: 780


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Message 1 of 25
24 REPLIES 24
AllZero
Super Contributor

Re: NFCU graduation and AMEX

Congratulations on your approval and graduation 🎓!
Message 2 of 25
gdale6
Moderator

Re: NFCU graduation and AMEX

Grats on your new Amex Smiley Happy

 

I would give it 2 months then ask for 3x cli.

Message 3 of 25
mrcraft
Valued Contributor

Re: NFCU graduation and AMEX

Congratulations on your graduation and CLI!!






Message 4 of 25
M_Smart007
Epic Contributor

Re: NFCU graduation and AMEX

Congratulations on your graduation & approval! ...

Message 5 of 25
Credit4Growth
Valued Contributor

Re: NFCU graduation and AMEX

Congratulations on your NFCU graduation and Amex approval!

You have a good number of credit lines to start off with.  Like you said, a little bit of gardening and a few SP will be good - and continue your progress.👍 

Good luck on the recon for an increase with Amex!

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 6 of 25
cashorcharge
Valued Contributor

Re: NFCU graduation and AMEX

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 7 of 25
CreditAggie
Senior Contributor

Re: NFCU graduation and AMEX

Congratulations on your graduation and approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 8 of 25
ComeBackLady
Established Contributor

Re: NFCU graduation and AMEX


@TexasDom wrote:

This month marks 6 months with NFCU and they graduated my $5k card with no new pulls. My score is 666 on Experian.

 

Also was playing around on the AMEX site and went thru the pre-qualifyeer system, they said I could get the AMEX Hilton and I followed up with an application.

 

Was approved, only $1000 so I called the reconsideration line and was told they could not approve any higher till I received the card, then I should call back. 

 

So, currently I have:

NFCU unsecured $5k 6 months

Small CU secured $5k 6 months

PCB secured $200 6 months

ELAN secured $600 6 months

1st progress secured $200 6 months

1st progress secured $500 5 months

AMEX Hilton $1000 (New)

2 car loans (4 years on one and 7months the other )

Small bank loan

Not reported LOC loan 2 months old

 

Looks like another 6 months of gardening, but will ask NFCU in 3 months  and AMEX (soon) to raise limits

 

 


That's terrific! 🥳 Congratulations on your graduation 🧑🏾‍🎓 with NFCU. Am I correct in understanding that it was originally secured at $6K, please? And they then graduated 🧑🏼‍🎓 it at the same dollar threshold SL? 🙏🏻

Congratulations on the approval for the AMEX, too! 🥳🥳🥳

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

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Message 9 of 25
SPChaser
Established Contributor

Re: NFCU graduation and AMEX

Congratulations on your Amex approval and Navy love! 🥳🥳🥳

“Play the game, but don't believe in it“
Message 10 of 25
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