topic Re: ~So In Shock but Appreciative and Happy with NFCU!!~ in Credit Cards

~So In Shock but Appreciative and Happy with NFCU!!~

mrsbagalot1222 — Wed, 15 Aug 2012 04:42:27 GMT

~So my husband (who is active duty army) joined NFCU a few months ago and I recently remembered and decided it would be a great time to open up a checking account with them and to hopefully one day get a credit product and auto loan with them down the road. I opened the account last night and made a small deposit until I get paid friday. I have been stalking the NFCU posts on here for months and after getting approved for the Military Star Card for a shocking $3600 I got a little gutsy this afternoon and decided to apply for the NFCU Cash Rewards Visa. I heard good things about the card and that it was good rebuilding card. I submittted my information and just knew I would be declined, get the 7-10 message or get a secured card offer, but low and behold less than 30 seconds later I'm staring at this message in my face! My husband was so happy for me and I almost shed a tear because it has been a rough 3 years for my credit profile.

I am still in utter shock so much so that I called them up to confirm and low and behold it was true!! I am so grateful to finally have a big girl card! If I need an emergency flight I no longer have to worry about trying to split two cards because of such low limits. I finally have an emergency card in case something arises with my family! I think my star card getting a high limit really helped push them to give me $5,000 starting out limit.

My baddies were quite a bit: Bloomingdales charged off but paid in full, Macy's charged off currently paying them, about 4 inquiries on each report, first premier charged off currently paying them, chase amazon (now closed) two 30 day lates 5 years ago and a medical bill in collections.

My goodies: Orchard, Capital one (now closed), sallie mae loans, Victorias Secret, Military Star, Jared (Now closed) Two current scores: 612 and 620.

I am very grateful and cannot wait to nurture this card and hopefuly see it grow. I am truly rebuilding and gardening now. This forum has given me much valuable advice and I am truly grateful!

So here is my current credit profile: Orchard Bank/Now Capital One: $300 still & Had since 2009

Victorias Secret Angel Card Upgraded to V.I.P $250 Opened June 6/12

Military Star Card $3600 Opened last month 7/12

Applied Bank $500 Opened last month 7/12

Credit One: $400 Opened this month 8/12

NFCU Cash Rewards Visa $5,000 Opened today 8/12

P.S- How are they with CLI for this card? Thank You!

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

jsickz32 — Wed, 15 Aug 2012 02:45:40 GMT

congrats! treat them good and they will do the same. id say wait at least 6 months to ask for a cli. if you use your card right and have low or 0 utl on that card when asking they might double your cl but it will be a hard pull. again congrats!!

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

beautybrainsbooty — Wed, 15 Aug 2012 03:00:39 GMT

that's awesome and a great CL!!!! For those of us who start with the less than 1K credit lines, its a shocker to see a CL that large. I plan to app with them within the week. I am so excited to get with Navy Fed. CONGRATULATIONS!!!! ;)

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

iMacDrew — Wed, 15 Aug 2012 03:10:42 GMT

Congrats I'm very happy for you after reading your post. It makes me happy reading that a credit union I am a member of has affected your emotions in a positive way just by being loyal to their meMbers.

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

mrsbagalot1222 — Wed, 15 Aug 2012 04:40:31 GMT

Thank you all so much for the kind words!! Today was a great day!:heart:

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

LOC — Wed, 15 Aug 2012 04:45:19 GMT

impressive!!! Congratulations!!!

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

A_Madel — Wed, 15 Aug 2012 09:30:05 GMT

Congrats! They are truly a great CU!

Re: ~So In Shock but Appreciative and Happy with NFCU!!~

CS800 — Wed, 15 Aug 2012 13:56:30 GMT

Great CL , congrats !! I know the feeling of the first big CL. :)