(Shocked) NFCU Amex Approval

JamesB95 · ‎08-17-2018

Hi everyone,
I just had a major shock approval for the NFCU Amex.

I was shocked because I had a charge off Amex Blue Cash 2 years ago (made payments on time to collection agency). I've had no lates or anything since that time frame I had those lates and charge off.

A little background:
I have had a NFCU bank account for 4 years (fam) and active duty checking since 2016 (joined Air Force). I also have my first car loan refinanced 1 year ago and that now sits with NFCU, all on time payments (often pay double the min. on car, not credit cards though).

I have had a high utilization on credit cards recently, this was why I was pretty shocked on the approval and the credit limit given. I app today because I saw 0% APR offer on the website. Got approval tonight with 5,000. My highest limit has only been 2k on my last amex, and my GoRewards I've had with NFCU 2 years.

Anyways, I am shocked and happy. My scores are mid-high 600s (still recovering from past charge off and lates 2 yr ago, high UTI).

Anonymous · ‎08-17-2018

@JamesB95 wrote:
Hi everyone,
I just had a major shock approval for the NFCU Amex.

I was shocked because I had a charge off Amex Blue Cash 2 years ago (made payments on time to collection agency). I've had no lates or anything since that time frame I had those lates and charge off.

A little background:
I have had a NFCU bank account for 4 years (fam) and active duty checking since 2016 (joined Air Force). I also have my first car loan refinanced 1 year ago and that now sits with NFCU, all on time payments (often pay double the min. on car, not credit cards though).

I have had a high utilization on credit cards recently, this was why I was pretty shocked on the approval and the credit limit given. I app today because I saw 0% APR offer on the website. Got approval tonight with 5,000. My highest limit has only been 2k on my last amex, and my GoRewards I've had with NFCU 2 years.

Anyways, I am shocked and happy. My scores are mid-high 600s (still recovering from past charge off and lates 2 yr ago, high UTI).

If I understood what I’ve read on the board correctly, the NFCU Amex isn’t issued by Amex themselves but rather uses the Amex network.

But still, congratulations on a great new card! NFCU is awesome. Enjoy having an Amex back in your pocket, much sooner than you thought you would!

Anonymous · ‎08-18-2018

Congrats on approval and nice SL!

Mahraja · ‎08-18-2018

Congrats James Now come out of shock and start using your Amex wisely and once you hit the credit line increase to 25K u can go back in shock no problem 😆 congrats again

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