05-03-2013 06:51 AM
NCFU just approved me for a 4k cash rewards cc. Just days ago I signed up for the minimal $5 savings account. My credit score with experian was 586 before applying. I have several baddies on my report including: 2 chargeoffs, 1 settled judgement, and 4 paid medical collections. My only current debt is 15k in student loans which have been in good standing for 3 years now. My income is low at ~$30k a year.
NFCU has been discussed a lot on here, good and bad, but I am so glad I took the chance and applied for the cash rewards. If I was declined, I was gonna reapply for the secured card anyways.
05-03-2013 06:52 AM
05-03-2013 06:54 AM
05-03-2013 06:56 AM - edited 05-03-2013 06:57 AM
That's amazing. It should help a ton in future approvals. May as well get greedy and go for a navcheck as well. May use the same pull but not 100% sure.
05-03-2013 07:09 AM
Congratulations on the approval! Your credit history similar to mine, and I was approved for the cashRewards last week as well (got the card in the mail yesterday).
Welcome to NFCU! As boomhower stated, NavChek may be worth a shot, but you'll need a Checking account, as NavChek is an Overdraft Line of Credit.
BTW, how did you get your Experian score?
05-03-2013 08:15 AM
05-03-2013 08:25 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.