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Why I Love NFCU - Effortless !

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Established Contributor

Re: Why I Love NFCU - Effortless !


@Brickbybrick wrote:

I wanted to become a member of NFCU, unfortunately no army in the family Smiley Sad . Congrats!


Thank you kindly! Sorry to hear it, they are a great institution. There are others as well just do a little research on the forum.  BECU is one that most seem to like. PenFed also has a great reputation, unfortunately they don't like my profile. Smiley Very Happy

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's. Next: Combine and/or close 1-2 accts by EOY.
Business: Staples Commercial LOC. (My first bus acct !!)

[11/20] Scores 8/9: 700-800s. Util: 1-3%. Inq/12: EQ 6, EX 6, TU 5. AAoA=6y6m, AoOA=33y3m, AoYA=5m.
2020 $200K GOAL Met !! TCL=$279K. Goal for 2021: PLOCs! Hope to add 1-2 addt'l business accounts.
Message 21 of 39
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Frequent Contributor

Re: Why I Love NFCU - Effortless !


@Brickbybrick wrote:

I wanted to become a member of NFCU, unfortunately no army in the family Smiley Sad . Congrats!


@Brickbybrick

Do you work for the government? You can try that way too. My father and brother are in the military but I got in on my own through the government. Same for Penfed.

My Cards:


Future Cards:

US Bank Cash + Visa [May 2021 0/12, US Bank 1/12 Rule]
Chase Amazon Prime Rewards Visa [September 2021 4/24, Chase 5/24 Rule]
Currently: [0/6, 3/12, 9/24]
Message 22 of 39
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Community Leader
Mega Contributor

Re: Why I Love NFCU - Effortless !


@ocheosa wrote:

At 93/3 received 2 approvals in just over a 12 hour period. Go Navy !

Card #3 - Platinum Visa - Instant Approval - SL 25K 10.49%.

Card #2 - Platinum MC -  1/4/20 SL 20K 12.49%. Req'd +8K. Approved !

Submitted at lunchtime. Checked app 45 mins later to find it already included in the available balance.

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Wow, who is this Navy you speak of?  Very impressiveSmiley Happy. Enjoy. Ive always wanted 2 Plats, one of each, so treat them rightSmiley Happy

Message 23 of 39
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Established Contributor

Re: Why I Love NFCU - Effortless !


@M_Smart007 wrote:

Congratulations!..


Thank you @M_Smart007 ! 

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's. Next: Combine and/or close 1-2 accts by EOY.
Business: Staples Commercial LOC. (My first bus acct !!)

[11/20] Scores 8/9: 700-800s. Util: 1-3%. Inq/12: EQ 6, EX 6, TU 5. AAoA=6y6m, AoOA=33y3m, AoYA=5m.
2020 $200K GOAL Met !! TCL=$279K. Goal for 2021: PLOCs! Hope to add 1-2 addt'l business accounts.
Message 24 of 39
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Established Contributor

Re: Why I Love NFCU - Effortless !


@AverageJoesCredit wrote:

@ocheosa wrote:

At 93/3 received 2 approvals in just over a 12 hour period. Go Navy !

Card #3 - Platinum Visa - Instant Approval - SL 25K 10.49%.

Card #2 - Platinum MC -  1/4/20 SL 20K 12.49%. Req'd +8K. Approved !

Submitted at lunchtime. Checked app 45 mins later to find it already included in the available balance.

 

 

 

 

Wow, who is this Navy you speak of?  Very impressiveSmiley Happy. Enjoy. Ive always wanted 2 Plats, one of each, so treat them rightSmiley Happy


Will do @AverageJoesCredit ! As I said earlier, I'm very happpy with NFCU. So far they are 2nd only to my local CU who I've been with for close to 20yrs. NFCU has treated me quite well. Edeposit and fast clearance of checks is important to me and they are awesome in that regard !

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's. Next: Combine and/or close 1-2 accts by EOY.
Business: Staples Commercial LOC. (My first bus acct !!)

[11/20] Scores 8/9: 700-800s. Util: 1-3%. Inq/12: EQ 6, EX 6, TU 5. AAoA=6y6m, AoOA=33y3m, AoYA=5m.
2020 $200K GOAL Met !! TCL=$279K. Goal for 2021: PLOCs! Hope to add 1-2 addt'l business accounts.
Message 25 of 39
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Frequent Contributor

Re: Why I Love NFCU - Effortless !


@ocheosa wrote:

@anitx wrote:

Congratulations! 

 

I have a question - when did you CC show up on your NFCU app? Mine still isn't showing up (applied/approved online and the card still hasn't arrived). 


Thank you!

 

IIRC, it took 2-3 days for it to show up on the dashboard. My first card was expedited and arrived in 2 days. The second was sent via regular mail and took about 10 days. Did you not receive the email the next day with the card info? You had to click the agreement/disclosure button in the email to gain access to the virtual card.


It's finally showing up in my online banking portal/app. 🤦🏻‍♀️ Sorry for hijacking your thread, and thanks for the help. 

and

Rebuilding started in June '19 with low 500s across the board.

FICO8 Progress (via Discover Credit Scorecard):
696 - 05/28/2020
702 - 04/27/2020
703 - 03/28/2020
685 - 02/26/2020

GOALS:
• 725 - 750 FICO before 2021
• Visa CC (Citi Costco?)
Message 26 of 39
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Community Leader
Mega Contributor

Re: Why I Love NFCU - Effortless !

Navy has been amazing to many of us as of lateSmiley Happy if only i could get them to loan my Dad🤔

Message 27 of 39
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Valued Contributor

Re: Why I Love NFCU - Effortless !

Congratulations!




Starting score - May 2018

June 2020

AAoA - 9 months
Message 28 of 39
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Established Contributor

Re: Why I Love NFCU - Effortless !

Another massive Navy!! Congratulations!! 

NFCU More Rewards 20K CL
NFCU Cash Rewards 1,500 CL
Discover IT 1,000 CL
Quicksilver 500 CL (formerly Platinum)
NFCU auto loan
*1/20/2021 can't get here soon enough*
Message 29 of 39
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Senior Contributor

Re: Why I Love NFCU - Effortless !

Congratulations on your approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 30 of 39
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