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Second NFCU card approved! Huge SL!

FixingMy3
New Contributor

Second NFCU card approved! Huge SL!

Y'all! I hit 91/3 yesterday. My first card was a More rewards for just $500. My scores were high 500's and one in 600's. Between opening my account and applying for a CC they jumped so they were all around 620 or 630. Overall utilization has stayed under 10% and haven't carried balances except some credit one cards that were reporting the monthly fee each month (I am ditching those after I try a theory out about balances reporting). I also have DD checking and savings with Navy, a savings cert, and a 95% paid off personal loan. Requested a CLI on the first card yesterday, and I'm still waiting to hear back. Another smart MyFico genius made a comment about crapshoot that made me decide to take a chance and apply for card #2. I literally almost passed out when I got the approval. From $500 and 18% APR on first card to $20,000 and 14.99% on the second! Mind BLOWN!!! Thanks to this forum. Never in a million years did I expect this to happen when I started my credit repair journey. I can't thank y'all enough for your knowledge and advice. Side note, I was playing around with prequals yesterday and AMEX came back with 3 Hilton cards and 2 Delta cards. I was so excited and applied and was denied. So it took the wind out of me a bit but this Navy approval has just shown me that all that dedication was noticed! I'll try AMEX again in a year or two.

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17 REPLIES 17
spiritcraft1
Valued Contributor

Re: Second NFCU card approved! Huge SL!

I guess that was me...  Nice crapshoot!  It seems like the low to mid 600's have been getting nice SL's on those second and third cards.  Congrats! How freakin cool is that!


| Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 2 of 18
xiocc
Regular Contributor

Re: Second NFCU card approved! Huge SL!

Congrats on the approval and the great SL!!







Message 3 of 18
cashorcharge
Valued Contributor

Re: Second NFCU card approved! Huge SL!

WOOHOO!  That's awesome!

Enjoy that new card! Congratulations!

Message 4 of 18
AllZero
Mega Contributor

Re: Second NFCU card approved! Huge SL!

Congratulations on your approval!

Message 5 of 18
OmarGB9
Community Leader
Super Contributor

Re: Second NFCU card approved! Huge SL!

Congrats!


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 18
CreditAggie
Senior Contributor

Re: Second NFCU card approved! Huge SL!

Congratulations on your NFCU 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 7 of 18
nuohlac
Valued Contributor

Re: Second NFCU card approved! Huge SL!

Congratulations on your approval!!!








Message 8 of 18
FixingMy3
New Contributor

Re: Second NFCU card approved! Huge SL!


You know it was totally you! Smiley Happy

Message 9 of 18
Credit4Growth
Valued Contributor

Re: Second NFCU card approved! Huge SL!

Congratulations!  

 Concerning how you put to


Concerning how you titled of this thread,  I was thinking I should play some music to celebrate...

 

 


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|| 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 10 of 18
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