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Saw the thread on is NFCU a bag of chips.
I have USAA and i do qualify for NFCU since i am in the military
Which one do u think is better in your opinion as far as CLI APR and approval percentage.
What are the Pros and Cons of each.
Debate away
NFCU is the easiest to me no hard pulls Instant always for me. USAA love button is gone now you gotta call and get hard pull. I think NFCU shows the most love.
If you get PenFed, USAA and NFCU all working for you your in great shape. Most likely NFCU will fearlessly lead the way on CL's which is great as most other issuers prefer to follow. Between the three you have access to an amazing array of financial products. Start with both USAA and NFCU. You can always pick up PenFed later.
I love both.
NFCU gave me my highest CL with $20k on Platinum Visa.
But USAA gave me $15k AMEX and $15k MC, plus they have the best insurance rates and combined savings that can't really be matched, IME.
I have both and recommend both. Each has their strengths and I don't see why you would choose one or the other, IMO.
@Anonymous wrote:
is NFCU like USAA. Like USAA gives higher CL based on your time with them. Or can i call NFCU set up a account just to get a CC and then apply right after and still have a big CL?
Once you set up a savings account by phone and have an access number you can then immediately apply for any of their CC or loan products on the same phone call. The membership department can and will transfer you to the appropiate department, either their CC or loan department.
I applied for membership by phone, received my access number, and did not even have the minimum savings deposit of $5 in my savings account yet and was approved for the NFCU Platinum Visa with a CL of 25k by their CC department. My EQ. FICO score was 794 at the time.
They pull EQ. only and your credit profile and income will be the primary determining factors for the CL NFCU approves.
Be prepared to wait 5 to 7 days for the CC approval.