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Soooo tempted to freeze my TU and EX and apply to see if I can get something unsecured with them. I only have three inquires on EQ and now have 4 months of history with the NFCU secured nRewards. I only have two cards and would love to have a third reporting to help build.
Scupra,
I'm sure you would get approved for a good amount, just have to take the inquiry hit. As of now it looks like they used the inquiry they pulled when I opened the account 2 weeks ago.
@PresidentPatton wrote:Scupra,
I'm sure you would get approved for a good amount, just have to take the inquiry hit. As of now it looks like they used the inquiry they pulled when I opened the account 2 weeks ago.
I have heard they use TU for checkin/savings but EQ for credit products. I am A ok with a HP on EQ just dont need another on TU as it has 5 right now I think. NFCU is hard pull happy, I would be surprised if they used the same report they looked at to open your checkin/savings account. If they did even more congrats are in order to you! Haha have a great day.
tu for opening an account and equifax for every credit app--and that's the truth! opened account in may 2012/tu--applied for visa in july 2012 approved for 7k with 629 equifax and 4co's from 2008--unpaid--go for it!!!!!!!!!!!!!
@coachmiff wrote:tu for opening an account and equifax for every credit app--and that's the truth! opened account in may 2012/tu--applied for visa in july 2012 approved for 7k with 629 equifax and 4co's from 2008--unpaid--go for it!!!!!!!!!!!!!
I have the window up ready to app for the cashRewards but I think I'm too chicken! I was discharged 4 months ago and opened a secured card the day I got my discharge paperwork. I didnt even try for the unsecured, my mistake, I just wonder if 4 months of good history with them will be enough for an approval.
DO IT! your scores are better than mine and you have been with them for 4 months!
I applied for the Nrewards and was declined. I have some old CC charge offs. I have no current credit cards that are active though... I think that hurt me alot. I just applied for the USAA Secured card and i guess ill just build my credit that way and apply for the NFCU card in about 6 months or so.
@Bleety17 wrote:I applied for the Nrewards and was declined. I have some old CC charge offs. I have no current credit cards that are active though... I think that hurt me alot. I just applied for the USAA Secured card and i guess ill just build my credit that way and apply for the NFCU card in about 6 months or so.
I have heard the USAA secured card does not graduate, please correct me if I'm wrong, the NFCU secured nRewards gets a review at the 13th statement with a possible graduation. The rewards are also pretty goo. Food for thought, good luck!
Well scupra, did you pull the trigger?