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New NFCU Member and cashRewards Approval

ThatGuyXx
Valued Member

New NFCU Member and cashRewards Approval

So, I've been wanting to get established with NFCU for a while now. Finally called in today and got my checking and savings accounts set up and I am planning on moving all my daily banking to these accounts (my current bank has very little to offer).

 

After the accounts were created, the CSR asked me if I was interested in any other products. I researched before I called and was interested in their Platinum card to use for balance transfers, but the lady told me I pre-qualified for the cashRewards card. I, wanting to establish a relationship with NFCU, took the path of least resistance by trying for their suggested card rather than risking a denial on the very low APR Platinum. I figured I would keep this card for a while and either PC it to platinum later or outright apply for it later on down the road (or even better find a pre-approval someday).

 

Anyways, I finished with the banking and the lady transferred me to a guy from the credit department who completed and submitted my application which, as you already know, I was approved for.

 

Capture.JPG

 

SL of only $600 and max APR at 18% but I wasn't expecting much being a brand new member. Even being max APR, it is still my lowest APR card so I believe this card has huge growth potential.

 

Side note - can someone enlighten me on the likelihood for NFCU to increase the limit if I were to call in and request it? After setting up all the accounts I was ready to get off of the phone and didn't think of it at the time.

 

Overall, I am very happy. I've been cycling in some hard hitting cards and systematically throwing the sub-primes to the curb which, to me, is indicative of progress. Smiley Happy

 

DP: Only pulled TU with a FICO 8 score of 672


FICO 8: 6/13/2019 - 10.5%
21 REPLIES 21
19eighty5
Senior Contributor

Re: New NFCU Member and cashRewards Approval

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 2 of 22
felipestrong
Regular Contributor

Re: New NFCU Member and cashRewards Approval

Congrats!

 

Also, how long have you had the Delta Gold Skymiles card?

Message 3 of 22
Saeren
Mega Contributor

Re: New NFCU Member and cashRewards Approval

Congratulations!

 

NFCU recons are very rarely successful but you can try. With your TU score, I think it to be pretty unlikely that they reconsider but the good news is that if you manage the card well, you might be able to score a much larger approval for a 2nd card at 91/3.





Message 4 of 22
ThatGuyXx
Valued Member

Re: New NFCU Member and cashRewards Approval


@felipestrong wrote:

Congrats!

 

Also, how long have you had the Delta Gold Skymiles card?


Thank you - about the Delta Gold card, I just had my first statement close the other day so barely over a month.


FICO 8: 6/13/2019 - 10.5%
Message 5 of 22
ThatGuyXx
Valued Member

Re: New NFCU Member and cashRewards Approval


@Saeren wrote:

Congratulations!

 

NFCU recons are very rarely successful but you can try. With your TU score, I think it to be pretty unlikely that they reconsider but the good news is that if you manage the card well, you might be able to score a much larger approval for a 2nd card at 91/3.


Fair enough lol, I'm still very new to NFCU so wasn't sure what their trends are. Could arguably be more beneficial to go for the Platinum as a 2nd card anyways as that is my goal to use for a BT if I ever find a need to lower utilization. Maybe getting the reward card first is a blessing in disguise Smiley Surprised


FICO 8: 6/13/2019 - 10.5%
Message 6 of 22
Saeren
Mega Contributor

Re: New NFCU Member and cashRewards Approval


@ThatGuyXx wrote:

@Saeren wrote:

Congratulations!

 

NFCU recons are very rarely successful but you can try. With your TU score, I think it to be pretty unlikely that they reconsider but the good news is that if you manage the card well, you might be able to score a much larger approval for a 2nd card at 91/3.


Fair enough lol, I'm still very new to NFCU so wasn't sure what their trends are. Could arguably be more beneficial to go for the Platinum as a 2nd card anyways as that is my goal to use for a BT if I ever find a need to lower utilization. Maybe getting the reward card first is a blessing in disguise Smiley Surprised


To give you an idea of how rewarding NFCU can be, I started with a $3K SL in September and I got an increase to $7500 in December (which is all I asked for), a CLOC for $500 (all I asked for) and a $7200 Platinum card. $15,200 exposure on $18K income with just 3 months of relationship is stellar growth. Smiley Wink

 

Just give them time to get to know you and you’ll be in for a big surprise. 





Message 7 of 22
felipestrong
Regular Contributor

Re: New NFCU Member and cashRewards Approval


@ThatGuyXx wrote:

@felipestrong wrote:

Congrats!

 

Also, how long have you had the Delta Gold Skymiles card?


Thank you - about the Delta Gold card, I just had my first statement close the other day so barely over a month.


Gotcha. Don't forget to request the 3x CLI on it after 61 days!

Message 8 of 22
Marz2002
Valued Contributor

Re: New NFCU Member and cashRewards Approval

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval and getting established with NFCU - that's my next goal!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 9 of 22
ThatGuyXx
Valued Member

Re: New NFCU Member and cashRewards Approval


@Saeren wrote:

@ThatGuyXx wrote:

@Saeren wrote:

Congratulations!

 

NFCU recons are very rarely successful but you can try. With your TU score, I think it to be pretty unlikely that they reconsider but the good news is that if you manage the card well, you might be able to score a much larger approval for a 2nd card at 91/3.


Fair enough lol, I'm still very new to NFCU so wasn't sure what their trends are. Could arguably be more beneficial to go for the Platinum as a 2nd card anyways as that is my goal to use for a BT if I ever find a need to lower utilization. Maybe getting the reward card first is a blessing in disguise Smiley Surprised


To give you an idea of how rewarding NFCU can be, I started with a $3K SL in September and I got an increase to $7500 in December (which is all I asked for), a CLOC for $500 (all I asked for) and a $7200 Platinum card. $15,200 exposure on $18K income with just 3 months of relationship is stellar growth. Smiley Wink

 

Just give them time to get to know you and you’ll be in for a big surprise. 


I'm very hopeful and excited haha - I see crazy limits from them all day long on here.


FICO 8: 6/13/2019 - 10.5%
Message 10 of 22
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