NFCU Amex Master thread. All posts go here

[Anonymous]

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@disney2 wrote:
I got a pre-approval email this morning at 4 am and another one in the mail today so I applied online. I got instantly denied. I have had an account with them for about a year and have the cash rewards and cloc with them. My scores are generally in the mid 6's lately. Should I reckon it? If so, what's the best method to do so?

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I also recieved an offer via E-mail--applied and denied. I PM them asking how an offer from them can be denied? They responded with...my recent 2nd card was too new in regards to their internal lending criteria, which is having the card open for 91 days and 3 statements. As the result of it being an internal lending criteria, they said NO credit was pulled. Got a free-be and great info. November 18 will be my 92 day with 3 statements. I will be apping for CLI AND RE-applying for AMEX card. Recieved 1st instant CLI on 1st card at 92 days along with instant approval on 2nd card....NFCU rocks

[disney2]

They did a hard pull on mine because I've been getting notices from all the credit monitoring companies. It was TransUnion. Grrr.

[Hex]

Does anyone have a feel as to whether the UR standards are more difficult for this card? I was also wondering if anyone with a bk has been approved and if so what type and how recently discharged. Any data would be much appreciated.

[Anonymous]

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@Justagirl73 wrote:

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@Anonymous wrote:

Just adding my info to the thread. I had an instant approval of 18.1k with 10.64% interest. I am one of those that wanted the entertainment benefits of AmX as I am blacklisted there. I have one other NFCU card, the GoRewards with a 25k CL and the CLOC for 15k.  They pulled TU and my score when pulled was 740. The HP lowered my score by three points. lol Oh well. I am happy I applied and happy with the CL and especially the IR. Good luck to those who plan to apply. 

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You have THE highest approval limit I’ve seen on this card! Congrats! 

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Thanks! 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Just adding my info to the thread. I had an instant approval of 18.1k with 10.64% interest. I am one of those that wanted the entertainment benefits of AmX as I am blacklisted there. I have one other NFCU card, the GoRewards with a 25k CL and the CLOC for 15k.  They pulled TU and my score when pulled was 740. The HP lowered my score by three points. lol Oh well. I am happy I applied and happy with the CL and especially the IR. Good luck to those who plan to apply. 

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So how accurate is the score they pull on your Transunion vs. your TU8?

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Totally accurate...

[Anonymous]

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@Anonymous wrote:

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@disney2 wrote:
I got a pre-approval email this morning at 4 am and another one in the mail today so I applied online. I got instantly denied. I have had an account with them for about a year and have the cash rewards and cloc with them. My scores are generally in the mid 6's lately. Should I reckon it? If so, what's the best method to do so?

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I also recieved an offer via E-mail--applied and denied. I PM them asking how an offer from them can be denied? They responded with...my recent 2nd card was too new in regards to their internal lending criteria, which is having the card open for 91 days and 3 statements. As the result of it being an internal lending criteria, they said NO credit was pulled. Got a free-be and great info. November 18 will be my 92 day with 3 statements. I will be apping for CLI AND RE-applying for AMEX card. Recieved 1st instant CLI on 1st card at 92 days along with instant approval on 2nd card....NFCU rocks

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Hey meatman, reading your post it sounds like you might be able to go for a third card with NFCU, is that correct?

[Andy-Griffin]

I got my new NFCU AMEX card in the mail today.

6300 SO
18% APR

FICO 8 Scores
Equifax 631
Transunion 548
Experian 603

I am approximately 3 weeks post Chapter 7 discharge.

This is currently the only CC I have. Will need to add 2 more eventually. Just not sure where to go from here.

NFCU rocks!

[Takasniper]

My situation, 4 years and 4 months post BK.  Applied yesterday evening and received the following message this morning. My score is right around 690 with 15% utilization.

Congratulations! Based on your creditworthiness, you have been approved for a Navy Federal More Rewards American Express Card credit card. Your new credit line will be $25,000.00. Your APR will be 11.99%.

[Anonymous]

Quick Q:  Is 3 points back the same as 3% back?

[Anonymous]

I'm not 100% sure since I don't have the reward terms pdf open but when I researched the value & redemption of nfcu Amex points as account credit or deposit vs my Amex BCE 3% it came out to roughly the same. I think it might have been a bit behind the BCE but we're talking 3+ spaces to the right of the decimal point difference.