APPROVED NFCU

[Anonymous]

Good Day! I was approved for a checking / savings account with NFCU. Now, I'm waiting for my BK to be discharged (sometime in Dec '15). What steps should I take once I obtain my discharge? Should I apply for a secured card with NFCU? or unsecured card?

[Anonymous]

Grats! Once the BK is discharged, check to make sure your accounts are reporting correctly before applying for anything unsecured. Good luck on your journey!

[Scupra]

Make sure not to apply until you are discharged. NFCU will decline until discharged, even for secured. 

[bstone]

My experience with NFCU has been great.  We opened our checking and savings account right after filing, just like you.  We were discharged Jan 2015, after I made sure my reports were all accurate I applied for the Cash Rewards unsecured card, got approved for $500 (the wife got declined).

Six months later I still couldn't get a CLI on the Cash Rewards card but they gave me a $5,000 Signature Rewards Visa and the wife finally got a $9,000 Cash Rewards card.

A few weeks later I was able to increase the CL from $500 to $18,000 on my Cash Rewards card and got a $15,000 CLOC.

Be patient with them, treat them well and they will be your most generous creditor.

[Anonymous]

Looking to build a solid relationship with NFCU.