NFCU nRewards Approval!!

[blh015]

After about 6 months of credit rebuilding, I decided to apply for the nRewards card with my bank NFCU. Got the 3-5 day message, but they came back an hour  later with an approval for a $6,000k CL!!! I was TOO shocked because of how high my baddies are.

My only goodies on my credit are deferred student loans and Capital One secured card for $300 (6 months old)

Baddies: 

- 2 evictions $11,200 from 2011 and $5700 from 2008 (both have judgements against them)

-5 small installmet loans ranging from 150 to 400 (all charged off)

-PAid charge off from capitol one in 2008- $1900

-Paid collection from Sprint 2012- $545

-Paid charge off citi bank $2800

TU Score was 578 and credit file started in 2009 @ 19.

I paid on time on my new capitol one. Used it frequently and always PIF before the statement cut. All great advice obtained from this forum!

Got a liitle excited and applied for the New York and Company card- Approved $250 and also the Navy federal LOC. I applied for $1000 and was approved. 

So for now i'm going to chill on the apps. Pretty excited about this awesome second chance!

[Miscellamy]

Congrats on the approvals and welcome to the forum! NFCU is great, aren't they? 

[blh015]

They really are. I almost cried, lol. Now just need to work on clearing up some of the other bad stuff while nuturing my new credit. 

[coldnmn]

Congrats! Time to join us in the garden big time. Welcome to the forum and thanks for sharing!

[Scupra]

Congrats! Nice limit to start at!

[brcamacho]

Congrats, that is a great limit to get while still rebuilding.

[Creditaddict]

Call them and ask to have the LOC resubmitted for the full $15k... they won't pull credit again and they will counter if they can't do the full $15k... it's a waste to apply for the loc and not ask for the full amount with the hp!!

congrats on the credit card... AND with $6k credit card approval I would be surprised for the loc not to be approved higher!

[blh015]

More successfull calling or online messaging them? Sitting at work currently, lol

[Creditaddict]

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@blh015 wrote:

More successfull calling or online messaging them?

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don't think it matters, so just online message them so you don't have to talk to anyone!

just say I was thinking about it, and was wondering if I can just go ahead and move my loc cl to the full $15k... thank you

[blh015]

Message sent...now to wait.  While i'm waiting, has anyone had to use the LOC, and what for? I can't think of anytime I would use it but heard it was good to have.