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NAVY FEDERAL.

Frequent Contributor

Re: NAVY FEDERAL.

Today the best day out of my creditw life.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Frequent Contributor

Re: NAVY FEDERAL.

Give the Cash Rewards a few months of responsible use and they'll more than likely grant you an increase on that $1k limit. I have a story similar to yours when it comes to NFCU. If you make your best effort to do right by them or make right having caused them a loss, they will forgive you. The down side of it is that in the beginning, you won't always be granted the best of APR's but they'll still extend credit to you. I personally have a portion of my direct deposit sent to NFCU and the rest to another CU. No point in placing all your eggs in one basket as you're already back in their good graces. You may want a Chase card later.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Frequent Contributor

Re: NAVY FEDERAL.

I think I recieved a pretty good rate on the cash rewards but I will! The question is to keep the secured or not?

I should of apped for the cash rewards first!
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Frequent Contributor

Re: NAVY FEDERAL.


ihatemyscore wrote:
I think I recieved a pretty good rate on the cash rewards but I will! The question is to keep the secured or not?

I should of apped for the cash rewards first!

Keep it. I app'd for an unsecured NRewards card while waiting for my secured NRewards card to graduate. After paying off the remainder of a signature loan I had with them, they unsecured my NRewards card and gave me an automatic increase. I then PC'd that card to the Cash Rewards Visa that I have now and the limit has since grown exponentially. The max amount of credit cards that you can have with NFCU is three I believe, but there is no point in shutting down the secured card when it has the potential to graduate. Just my 2 cents.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Frequent Contributor

Re: NAVY FEDERAL.

I will keep it! Wow you pced your at one time secured card to a visa siggy! What an achievement!
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Frequent Contributor

Re: NAVY FEDERAL.

They are a good CU. That's all I can say. It's the green color Cash Rewards card. Doesn't say siggy on it though. My guess is because even though it's at $14k now, it hasn't been for very long. Either way, I'm happy and I'll take it. Secured card to an unsecured 5 digit card is great any day. And what's even better, is that it did not result in a new tradeline because they were both Visas. They just changed the product and left me with the same credit card number!


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Frequent Contributor

Re: NAVY FEDERAL.

Yeah I will not app for anything else! I don't need anymore credit products. I will just let myfico automatic subscriptions hit my secured and unsecured card and PIF. June or July I might ask for a CLI
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Frequent Contributor

Re: NAVY FEDERAL.

I think that's a good idea. You'll be in even better shape in no time.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Valued Contributor

Re: NAVY FEDERAL.


ihatemyscore wrote:
I think I recieved a pretty good rate on the cash rewards but I will! The question is to keep the secured or not?

I should of apped for the cash rewards first!

prime plus 13 is going to be over 17% probably....but still better than a lot of cards.

 

Congrats!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Frequent Contributor

Re: NAVY FEDERAL.

True but I won't think Bout the plus because I won't carry a balance just use for myfico subscriptions..

thanks everyone for your support! No more APPS!
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.