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