NFCU advice UPDATE!!!!!!!

[Anonymous]

But then there is me whith a higher score 665 EQ and no BK ever.. Denied!! Only one 30 day late three years ago.

[Anonymous]

Contributor
Posts: 14
Registered: 07-02-2009

 

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I am a new member with NFCU. I opened a savings and checking acct. I put $6700 into my savings acct. $250 into checking.  I am thinking about applying for a cc with them.  My history is.  Bk 2years ago, since then opened 2 CC's one of the cards is right at 2years the other will be a year in OCT  CL of $575 and $500. they are both PiF. never late   Auto opened for a year on 08/01/09 with a bal of $4765 never late.  had one bad that would not delete if i paid in full but updated that it was paid in full.and from 07, updated as pif on 07/01/09. And mortage 18months not late..

Do you think i should wait to apply or pull the trigger    Scores are TU654  EQ 646

Thanks for your input

===== Congratulations! Based on your creditworthiness, you have been approved for a cashRewards Visa credit card. Your new credit line will be $2,500.00. Your APR will be prime plus 12.4%. You should receive your new card(s) in 7-10 normal mail delivery days.=====       None of this could have not be possible without the input on the board.   I think you!!!!    it is one great feeling to see that word  APPROVED!!!.. I was pretty worried  Again THANK YOU     NFCU GODS RULE 

[Anonymous]

To 218Win,

Just take your time with NFCU, I have been a member of NFCU for 9 1/2 years. When I first applied for a NFCU account they denied me, despite the fact that I had direct deposit with them.  I applied for a loan with them for $ 2,000 and I had to use my money in my saving account as collaterol(?). I paid on this loan for about 5 months and then paid the loan off. I applied for another loan and did the same things. I then applied for the Visa and was approved and I paid in full for a few months and then applied for LOC and was approved. I continued this and then applied for the Mastercard and was approved.  I have only had my credit cards open with NFCU for over a year. Just be patient with them and your diligence will be rewarded.

[Anonymous]

After reading all of these approvals I decided to apply again. Less than a month after I was denied a credit card. I applied on Monday and on Tuesday I was asked to verify my employment. After I sent to two of my recent paystubs, I was approved for the cash rewards card with a 3k CL.

While I was at it, I applied for a car loan and I was approved for that at 25k. 

I still don't know why they decline me in July but August is a much better mont so far. 

Thanks to everyone on the board for advice and NFCU!! 

[Anonymous]

Congratulations! Persistence paid off.

Absolutely groovy approvals all the way around...ok I know, now I am giving insight as to my age. LOL