Another NFCU Question...

[UncleB]

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@Creditaddict wrote:
Boom!!! Nearly the best rate!!!

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I'm a little... uh, shocked myself. 

I guess maybe that baddie that dropped off last week made a bigger difference than I thought... Wow.

[bigpoppa09]

Congrats unc

[Anonymous]

so tell us what happened!!!!

[Anonymous]

oh nvm i see it. told you buddy!!! i went low on the approval and high on APR to be reasonable but you did better than what i figured. and i took into account your current situation. told you they'd do right by you.

[Anonymous]

big poppa the two scores may be similar in your situation but my fico 04 is about 20 points lower than 08 so idk. may be coincidence?

[bigpoppa09]

yea 2011 they used fico 04 for me it says on my letter scores range from 334-818 and i took a screenshot of all the different score versions from here like a week ago and it says this version is Fico 04

[bigpoppa09]

yea cause my FICO 08 is 30 points higher

[UncleB]

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@Anonymous wrote:
ohnvm i see it. told you buddy!!! i went low on the approval and high on APR to be reasonable but you did better than what i figured. and i took into account your current situation. told you they'd do right by you.

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You're right... I definitely wasn't expecting this!

I felt the same way last year when USAA approved me for their 'Platinum Visa' with a SL of $7k - at the time my only other major card was a QS1 with a limit of $1720 (and that after a CLI just a few months earlier; it was $720 until then).

When I got the USAA approval, it didn't seem real.  I actually thought they would contact me later and say there had been a mistake... but they never did.  Honestly, I'll only really count this one once it's in my hand... (you have my permission to laugh)

This is truly a game-changer for me... I can say there's really nothing left out there I want to get - and that seems weird!

It also puts into perspective my hesitation in closing my QS1... my previously lowest APR card at 14.9%.  Letting that one go won't be nearly as painful now... LOL

[Anonymous]

they definitely pulled my 08 because my range was different. that's odd isn't it?


and uncle b you should call in the next few days (no huge rush) and ask to specifically speak to the credit card department and tell them you want to have the box checked that allows you to get auto CLIs. i have noticed that without that box checked when you do them online it declines you. again, not necessary this moment but you can probably get one in 2-4 months if you use the card some.

[bigpoppa09]

yea thats weird and the only reason why i brought it  up is because other people have said they use Fico 04 thats why i was a little worried when i joined cause i knew my FICO 4 scores were lower