Joined NFCU on 4/25 and approved for cash rewards card only $500 limit I was little surprised but it'll grow so thats ok. Was hesitant about the CLOC so i decided to visit my local branch in West Point. I had all my doucumentation w2, pay stubs etc just in case. Ended up getting instantly approved for the full 15k at the lowest 13% apr. They puled equifax i'm assuming either fico 8 729 or fico 9 708. 24% uti and 4 inquiries last 12 months.
Just a side note visiting this branch when I was leaving I asked the representative for her card and contact info. She directed me to call the 800 number with further questions as their is not a direct line or number to call at this branch for any further questions which I thought was a little odd. I also made the site visit with intent to begin a personal relationship with a banker here, but I guess thats not how they do things. Either way I'm still very happy with my NFCU experience to date.
10/07/2020 BK7 Discharged Papers Received
10/07/2020 FICO 8 SCORES EXP 586 EQU 610 TU 557
