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.
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. 
DP: Only pulled TU with a FICO 8 score of 672
Congratulations!
@Anonymous 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 
@Anonymous wrote:
@Anonymous 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
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. 
Just give them time to get to know you and you’ll be in for a big surprise.
YOU...
CONGRATS @ThatGuyXx on your Approval and getting established with NFCU - that's my next goal!!!
@Anonymous wrote:
@Anonymous wrote:
@Anonymous 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
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.
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.