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(Shocked) NFCU Amex Approval

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Regular Contributor

(Shocked) NFCU Amex Approval

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).
Message 1 of 21
20 REPLIES 20
Regular Contributor

Re: (Shocked) NFCU Amex Approval


@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!

07.18 -
08.09 -

Current cards: AMEX Blue Sky, PayPal 2% Cashback, Discover It, Capital One Quicksilver, Capital One Quicksilver, Lendup Arrow, Merrick Bank

Future Card wants: USAA
Message 2 of 21
Established Contributor

Re: (Shocked) NFCU Amex Approval

Congrats on approval and nice SL!Smiley Very Happy




Message 3 of 21
Established Contributor

Re: (Shocked) NFCU Amex Approval

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
Profile Worth 1.4M+
___________R.a.j
Message 4 of 21
Valued Contributor

Re: (Shocked) NFCU Amex Approval

Congrats on the approval and SL!


Message 5 of 21
Senior Contributor

Re: (Shocked) NFCU Amex Approval

Congrats on your approval and very nice limit !!!!
Thank you for your service !!!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 21
Established Contributor

Re: (Shocked) NFCU Amex Approval

Congrats on the approval!


[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 33k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 19.5k][WalmartMC 11k][SearsMC 15k][Lowes 35k][Toyota 18k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $45k][PNC $26.5k]
Message 7 of 21
Valued Contributor

Re: (Shocked) NFCU Amex Approval

Congrats on the approval! As someone else said NFCU Amex doesn't come from Amex. It's from Navy. It just runs on the Amex network. Congrats again!
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 8 of 21
Senior Contributor

Re: (Shocked) NFCU Amex Approval

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 9 of 21
Valued Contributor

Re: (Shocked) NFCU Amex Approval

Thank you for your service... salute.gif

 

And congrats on your NFCU AMEX!




Message 10 of 21
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