Question about NFCU online application form

[Anonymous]

I was looking at the NFCU cashRewards credit card application and the preliminary page only asks for contact number, mother's maiden name, annual income and a handful of other questions.  When you click the continue button, does it take you to a much longer application form, or is that it?

Also, I have read through the NFCU cc approval threads and some member report being instantly approved while it seems like an equal number need to wait a few days for review.  I wonder if anyone has insight into what triggers a review and what prompts an instant approval?

Thanks!

[Anonymous]

I had to wait 3 days (got the 3-5 day message) and they called me to ask if I had any household income to add.  After telling them about my child support (which I never receive but still counts as income if it is court ordered), I was approved.  Maybe the income has something to do with it, or my score may have been borderline.  I had a 649 on EQ at the time, with 2 paid  and 1 unpaid coll.  I can't remember how long the app was though.

[Anonymous]

Thanks, Julia!

[Anonymous]

YW!       By the way, I forgot, they  also give you some options of paying automatically from your account, either in full or minimum payment.

[Anonymous]

Oh, that's very good to know. Thanks again! 

I hope that someone out there recalls whether or not the first application screen (very short) is just a precursor to another, longer application for credit cards.  I am not quite ready to apply so I didn't want to click "continue" for fear that it would submit the app.

[Creditaddict]

---

@Anonymous wrote:

Oh, that's very good to know. Thanks again! 

I hope that someone out there recalls whether or not the first application screen (very short) is just a precursor to another, longer application for credit cards.  I am not quite ready to apply so I didn't want to click "continue" for fear that it would submit the app.

---

You go through multiple screens, then it will try to give instant decision, otherwise goes to under writing... my app took just about 2 hours to be reviewed