NFCU Question????

[TekkenQQ7]

Hi all, Today I was able to establish my membership with NFCU. As of today my EX 702 16 inq. TU 680 16 inq. EQ 664 8 inq. my util is 30%. oldest account 6.1 years AAoA 1.8 years. 100% on time payment, and few lates from student loan 2010 account.  should I apply for one? and what are my chances of getting a CC? and witch one I should apply for? thank you all in advance for your help.

[CountryLivin]

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@TekkenQQ7 wrote:

Hi all, Today I was able to establish my membership with NFCU. As of today my EX 702 16 inq. TU 680 16 inq. EQ 664 8 inq. my util is 30%. oldest account 6.1 years AAoA 1.8 years. 100% on time payment, and few lates from student loan 2010 account.  should I apply for one? and what are my chances of getting a CC? and witch one I should apply for? thank you all in advance for your help.

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  If you apply, go for the cash rewards card. You will get 1 1/2% on every purchase. The N rewards, you get points like to redeem for stuff or cash....but I feel the cash rewards is much better. Your chances are very good with NFCU, as I got mine with a $5000 limit with a score in the high 500's and a lot of inquiries.

[Anonymous]

your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k

[TekkenQQ7]

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@Anonymous wrote:
your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k

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They hard pull my TU for the application, so is it possible to use the same pull, but I read they will pull EQ for CC?

[CountryLivin]

That's what they did on mine!

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@TekkenQQ7 wrote:

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@Anonymous wrote:
your report sounds similar to mine and score when approved. apply if you really want one

you should get between 5-10k

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They hard pull my TU for the application, so is it possible to use the same pull, but I read they will pull EQ for CC?

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[Anonymous]

nope. it'll be separate. everything you app for is its own pull.

[Anonymous]

Pretty sure you will get approved, you should also consider applying for the CLOC for 15k.  It is pretty easy to get and a nice source of cash if you get in a pinch but doesnt cost you anything to have sit there just in case.

[TekkenQQ7]

This morning my account was restricted, after submitting my ID and SS Card I applied for the cash reward and they approve me for 2300 SL

[Anonymous]

decent start

[TekkenQQ7]

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@Anonymous wrote:
decent start

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At some point I thought it's low compare to my other cards, but now I am happy that I am in. I heard it will grow quick