Navy Federal Credit Union

CM1 · ‎07-24-2013

I finally got my membership yesterday. today I got the welcome call, they were super nice and since they did a HP, they said I qualified for their products. So I figured why not, and app'd for a CC. Low and behold, approved with a $6,000 limit. Easily my highest limit post BK. They are the best. My highest before was a 1700 limit with Merrick, and my cards were just maxed to my 2 vehicles breaking down. All with a 615 eq, 625 ex and 626 tu. I can't help but loving the forum and all the posts about how truly great NFCU is. My own CU's wouldn't give me a card and they exceeded my expectations. I am definitely taking my business to NFCU.

guiness56 · ‎07-24-2013

Nice. They are awesome. Congrats!

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

CM1 · ‎07-24-2013

Thank you

pizzadude · ‎07-24-2013

+1. NFCU really is the best. Congrats !!

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Shogun · ‎07-24-2013

Great job!!!!!

I've been trying to get guiness to move in for a couple months so I could join, but she says she has standards as to where she stays. Go figure...

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

09Lexie · ‎07-24-2013

Congrats!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

guiness56 · ‎07-24-2013

@Shogun wrote:
Great job!!!!!

I've been trying to get guiness to move in for a couple months so I could join, but she says she has standards as to where she stays. Go figure...

Lol. I do live in Arkansas remember. No offense to anyone else that may live here.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

myjourney · ‎07-24-2013

Congrats you're in with a great organization

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎07-25-2013

Congrats, I got my welcome call a two days ago as well. Also super friendly, I was telling my wife I'm pretty tech savy, but it's still nice to have them walk you through all their features, products, alerts. Didn't qualify for an unsecured card with them (too many inqs and new accounts, with high balances cause of our wedding on Sat lol), so I'm going for a Secured in the mean time that will hopefully graduate in a year to unsecured.

CM1 · ‎07-28-2013

Thanks everyone