NAVY FEDERAL.

[youngandcreditwrthy]

Congrats!!! They are very generous with limits too!

[fishbjc]

interest rates only matter if you carry a balance.  17.99 is still pretty darn good!

[dodgeball]

whats the limit

[ihatemyscore]

500 its a SECURED nRewards I am so glad to be back in with Navy and the 1st day I have a credit product!

Should I keep my cap 1 secured open?? Or wait til the annual fee is about to hit in July? I was thinking about closing it because my orchard will move over in summer and I think you can only have 2 cards with capital one. Orchard is my oldest cc.

[09Lexie]

Email Cap 1 Ex Off and ask for the AF to be waived. My DH got his waived along with a decrease in his APR.

Good luck

[webhopper]

Congrats on your good decisions and approval for nRewards...  gotta start somewhere, and getting right with NFCU is a great start.

[ihatemyscore]

Yeah., I need some help! What do you experts think I should keep, which should I begg and plead to ask to waive fees etc an which should I axe?

Capital one Secured 0/200 annual fee July

Orchard 0/300 Annual fee May

First Primier 0/300 Annual fee July

Capital one Cash Rewars 0/500 0 Intrest til Nov 13; KEEP.

Navy nRewards Secured 0/500 KEEP.

I was thinking of canceling the secured from capital one and the FP asap.. Or should I wait until the 11th month?

[dodgeball]

Personally I would ax the secured cards except the NFCU card and apply all that cash to the NFCU secured card

[ihatemyscore]

Well the First premier, orchard and cash rewards are unsecured. The capital one is secured of just $45 dollars.

[dodgeball]

Oh, well you need at least three credit cards to max scoring benefiets so keep the Cap One and the NFCU and ax all but one of the others.