j_casteel wrote:If he's military chances are he can join NFCU and instantly be approved for a rewards card with a $25k limit.
OK that's a little tongue-in-cheek I think? 
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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SportBike4Life wrote:what rewards does the NFCU reward card give you? I don't see the terms on their webpage.
Google for NFCU nRewards; however, I think for the entry-level it's the usual 1 point per $1 spend.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
The best choice, as others have posted, is a secured credit card, preferably with a credit union to get the best interest rate. Among bank cards, Orchard Bank was good to me while I was rebuilding ($79 AF). Best Buy Reward Zone Mastercard was helpful too, and actually provided rewards, which is unusual in a rebuilder ($59 AF). I'd stay away from Credit One, because they charge daily residuals without a grace period and charge a monthly fee. I'd also avoid First Premier like the plague, because they are just insane with their fees and interest rates.
Starting Score: TU: 566
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