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Frequent Contributor
grassfeeder
Posts: 375
Registered: ‎03-01-2012
0

wow, NFCU really is crazy good.....

So, I just joined NFCU last week....I have absolutely zero balance in any of the 2 accounts and no history with them what-so-ever.

 

I figured I'd give it a shot and apply for one of their credit cards, given that's why I wanted to join anyway.

 

approved.  $5k right off the bat and 12.4% + prime for the cashrewards card.....can't believe it.  I thought I was asking for the world with $5k and apparently not.

 

I'm crazy excited.....now to just use this thing sparingly and see if I get some CLI love in a few months.  I really want to get to $10k

 

just excited, nothing else to see here....carry on with your day....I, am going to go pour a beer now!  :smileyhappy:

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 672 (10/14)
TU FICO: 648 (10/14)
EX FICO: 667 (10/14)
NFCU cashRewards $18,000 - NFCU Flagship Visa $18,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
In the garden starting 3/1/14 till ???
Regular Contributor
ChistineNJ
Posts: 160
Registered: ‎04-04-2013
0

Re: wow, NFCU really is crazy good.....

Thats GREAT! Gives me lots of hope when i put some mileage on my bk
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
Current Score: 630
Goal Score: 650


Take the myFICO Fitness Challenge

 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00
Frequent Contributor
shols44
Posts: 398
Registered: ‎11-03-2012
0

Re: wow, NFCU really is crazy good.....


grassfeeder wrote:

So, I just joined NFCU last week....I have absolutely zero balance in any of the 2 accounts and no history with them what-so-ever.

 

I figured I'd give it a shot and apply for one of their credit cards, given that's why I wanted to join anyway.

 

approved.  $5k right off the bat and 12.4% + prime for the cashrewards card.....can't believe it.  I thought I was asking for the world with $5k and apparently not.

 

I'm crazy excited.....now to just use this thing sparingly and see if I get some CLI love in a few months.  I really want to get to $10k

 

just excited, nothing else to see here....carry on with your day....I, am going to go pour a beer now!  :smileyhappy:


Great job! I've mentioned this strategy a few times. I feel its better to wait a few months while other accounts mature before pulling the trigger on NFCU. It results in a higher limit card off the bat. The problem with applying right away is you have a chance of a toy limit or a secured card that needs 12 mos to graduate! 

 

Congrats!


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Frequent Contributor
grassfeeder
Posts: 375
Registered: ‎03-01-2012
0

Re: wow, NFCU really is crazy good.....


shols44 wrote:

grassfeeder wrote:

So, I just joined NFCU last week....I have absolutely zero balance in any of the 2 accounts and no history with them what-so-ever.

 

I figured I'd give it a shot and apply for one of their credit cards, given that's why I wanted to join anyway.

 

approved.  $5k right off the bat and 12.4% + prime for the cashrewards card.....can't believe it.  I thought I was asking for the world with $5k and apparently not.

 

I'm crazy excited.....now to just use this thing sparingly and see if I get some CLI love in a few months.  I really want to get to $10k

 

just excited, nothing else to see here....carry on with your day....I, am going to go pour a beer now!  :smileyhappy:


Great job! I've mentioned this strategy a few times. I feel its better to wait a few months while other accounts mature before pulling the trigger on NFCU. It results in a higher limit card off the bat. The problem with applying right away is you have a chance of a toy limit or a secured card that needs 12 mos to graduate! 

 

Congrats!


you're 100% correct....and i'm really glad this all played out like it has.  I think I'll use this heavily (all monthly expenses) and PIF each month through the rest the year and request a CLI.  That will take me just over one year post-BK.  May also look to refi my car come next February/March (one year on current loan) with them.

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 672 (10/14)
TU FICO: 648 (10/14)
EX FICO: 667 (10/14)
NFCU cashRewards $18,000 - NFCU Flagship Visa $18,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
In the garden starting 3/1/14 till ???

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