Credit Cards

[knj601]

I was actually looking up creditpulls to see who they approve, and I was shocked as well to see the scores and limits people received. He has a nice annual income so that is working in his favor for sure. 

[Tran92]

Yea the collection removal should boost up his scores. It sure did with mines. That is a good idea to just wait it out and pay off your other debts before applying for any credit card. I don't know much about NFCU, but I am assuming since they are a credit union that they should be able to work with you guys situation and hook you up with a low credit limit to start and work your way up from there. If anything there is the secured credit card route to help you rebuild you guys credit score.

[Elcid89]

Worst case, I would try for a card with them. The worst that can happen is that they say no, and NFCU offers no-fee balance transfers. If they give you a decent rate, it would be a good opportunity to refi some revolving debt.

[beautybrainsbooty]

Congrats and welcome to the NFCU family! If youre on the wall about applying then follow your gut. But there is no timeline to wait to establish a relationship BEFORE applying for products. They are awesome with limits and helping you build the kind of life you want. Just be good to them! Best of luck!!!

[EandK23]

Congrats!  My fiancé has been a member since late 90's.  Little did I know, until reading this forum, what a great CU they are!