Re: Nfcu 3-5 day message, should I withdraw?

jason0618 · ‎06-15-2014

I just apped for cash rewards and got the 3-5 day message. Should I call and withdraw the application before they pull it since it's not an instant approval?
My eq is 610, which I know is what they pull. I also have a secured card with them I've had for 27 months with no lates and a $101 balance reporting on $1000 limit.
I'm nervous because I've applied several times and always get declined.
Baddies are a 6 year old bk, a couple of student loan lates that went out of deferment without me knowing, and one late payment on my Harley last year.

coldnmn · ‎06-15-2014

Chances are they already pulled your credit report and couldn't aprove you without manual review. It's better then a flat out denial. If they already pulled your credit report it's senseless to withdraw your application. The damage is already done.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

navajomyst2003 · ‎06-15-2014

They gave me the 3-5 day message on both my cards, which were both approved. They may call you to verify income and employment.

In my wallet: Cap1 Venture ($58k), Amex PRG (NPSL), Amex HH ($4K), Barclays Ring MC ($10K), Chase Sapphire Preferred ($22K), Chase SWA Visa Preferred ($7.5K), Chase United Mileage Explorer VS ($20k), Chase Marriott Rewards VS ($12K), BOA BBR MC ($41K), BOA Visa Sig Cash Rewards ($30K), Chase Ritz VS (9K), NFCU Flagship Visa ($55K), Discover It ($6K), Citi AA ($20K). Everything else in SD.

FICO goal: 800+ (as of 3-6-15: EQ FICO 774,,TU FICO 808, EX FICO 775)

baller4life · ‎06-15-2014

Don't sweat it. I got the same message with a 598 score and was approved for $3k!

jason0618 · ‎06-15-2014

Well I was declined last month with a 581 Equifax and everything else still basically the same, although I think the nfcu card reported $335/$1000

j_casteel · ‎06-15-2014

@jason0618 wrote:
Well I was declined last month with a 581 Equifax and everything else still basically the same, although I think the nfcu card reported $335/$1000

Would've been best to wait 3-6 months after that denial...the 3-5 day message doesn't mean a denial necessarily so you could still get approved for the card.

Good Luck

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Creditaddict · ‎06-15-2014

wait so you applied for a new card but you also have a secured card?

jason0618 · ‎06-15-2014

Yes.

Creditaddict · ‎06-16-2014

@jason0618 wrote:
Yes.

what other cards do you have?

your only baddies are the old bk and some students loans?

what's going on with your EQ score! (I HATE EQ btw)

jason0618 · ‎06-16-2014

I've got a Barclay rewards card that's $0/$1300 and a credit one that's $0/$300
I've also got a medical collection that's about to fall off that the CA won't pfd the $282

Nfcu 3-5 day message, should I withdraw?

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Nfcu 3-5 day message, should I withdraw?