NFCU Application

[Anonymous]

I applied for the Cash Rewards NFCU card this afternoon and it said that it would take 3-5 days.  I checked when I got home, and saw that I was approved for 10K.  My EQ score from this website is 655.  I didn't think that I would get it, but I was tempted to apply after reading about the card and approvals.  Good luck!

[bichonmom]

Thanks, GWUMBA13. Your post just makes me wonder what's taking so long with my app? If you got the same 3-5 day message and got approved the same day w/a FICO 20 points lower than me, what's going on???? Sheesh! As much as I want to be approved, I just really want to know at this point. The not knowing is driving me nuts!

[Chaos122]

Hey, dont worry you still have a shot.  I got the same message, 2 days later they called and asked for paystubs.  another 3 days and was approved.  5 days total, but that included the weekend.  so 3 business days.. Dont sweat it

[bichonmom]

Well, I'm glad you were approved. I wonder why some get automatic (or reallly fast) approvals, while others take longer and need to provide information.

Some people have brand new accts with them and still get instant approval for credit, so I'm not seeing a reason or pattern for the delay.

I guess time will tell.

[hedgeclipper2]

I wouldn't worry about them AT ALL.

My roommate got into NFCU since she lives with me, and I got her to apply for the CashRewards card.

Instantly approved for $7,500.  Her scores are way lower than yours, and she had 3 chargeoffs 18 months ago.

I have her as an auth user on my Travelocity card with Barclays with a $10k limit.  I think that might have helped with her limit because her highest limit in her own name is only $1,500 on a store card.

But don't worry, I myself have never gotten anything instant from them, and I have a $20k cashrewards card and a $15k navchek with them.  An my scores at that time when I got those were about where yours are.  Cashrewards was originally approved at $5k, and Navheck at $5k.

[casmith1980]

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@bichonmom wrote:

Well, I'm glad you were approved. I wonder why some get automatic (or reallly fast) approvals, while others take longer and need to provide information.

Some people have brand new accts with them and still get instant approval for credit, so I'm not seeing a reason or pattern for the delay.

I guess time will tell.

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just checking to see if you ever got your results from NFCU? 

[bichonmom]

They required that I physically go to a  branch to confirm my identity, which took a while as there isn't a branch nearby. They only approved me for $2k, and I have NO debt. I'm really disappointed, when I read here about people getting $10k and more with similar scores to me. It's like I'm in credit he!!, and can't get out no matter how hard I try.

This will probably on make things worse because it's going to zap my AAoA and NOT help my util much at all. I was hoping for a $10 K card so I could use it for my monthly expenses (for the rewards) and then pay it off once or twice a month, and wouldn't have to worry about my util. 

Does anyone know what their policies are on CLIs? Do they do another hard pull for that? How soon can you request one?

[UFGuy2006]

I hear that if you get in and show them you are responsible, the CLI will definitely pay off. Not sure how soon you can request one tho. Congrats!

[bichonmom]

Thanks. I just don't get *why* they gave me such a LOW limit. This thread alone has people w/scores lower than me getting 3 to 4 times the limit. I just don't get it. It's SO frustrating.

I don't want to have to wait and get yet another hard pull for a possible CLI. I'd imagine I'd have to wait at least 6 to 12 months, based on what another CU told me.

[casmith1980]

My husband and I applied online when opening our account.  We were denied because we hadn't been members for very long.  We wrote a short reconsideration message and received a notice saying that it was sent to their Lending Committee and we won't see a result for 2-3 weeks   The anticipation is killing me!