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Regular Contributor
Posts: 177
Registered: ‎06-03-2009
0 Kudos


I would'nt go anywhere else they've just approved me for a SCC $500 with no problem over the phone and told me to wait about 6 mo's and then apply for the regular CC!  (I'll wait about 18mo's though) I don't have a FICO over 610 on any report!  I'm in the process of re-building and told that to the Credit Analyst, she was like "okay I understand" we'll get your card right out!


NFCU.. will be the only CU which I have CC from, oh yeah NO annual fee!!!! Whew, because I was JUST about to go the 'junk card' route! No thanks Orchard, black card, ect even better then the elite BOA with there Secured CC annual fee!


Your'e headed in the right direction with those scores you'll be handed CC's before your first qtr~!

I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Senior Contributor
Posts: 3,582
Registered: ‎11-30-2007
0 Kudos


Dh has orig low scores due to utility....about 610 and he was approved for two products.
Regular Contributor
Posts: 215
Registered: ‎04-21-2009
0 Kudos


Mornign thread-


Thanks to my step-sister and brother-in-law who both work for the army, I am now a NFCU member. When I started I just put $10 bucks in the savings. After I received my welcome package, I familiarized myself with their products. A few weeks later I received an invitation to apply for the nRewards card. I was hesitant. My sister told me that her and her husband who had both filed BK's both received credit cards and refinanced their auto loan, BUT, they also owned a home. I filed my BK in 02, since then I've received 3 credit cards, Capitol One, and 2 First Premier. It seems as though I couldn't open anything else to rebuild my credit, not even store CC's. I decided to take the advice of my sister and apply for the nRewards, they actually called me and my application went through a special review process, they even called my employer! Anyway, after a few days I called and received word that I was approved for a credit limit of $3500. I have no idea what my scores were at the time, I know none of them were anywhere near 700. I'm wondering, you guys with the high CC limits from NFCU, is it because of your annual salary, the credit score, and have any of you guys ever file BK?


Since opening the savings, I've now decided to switch over my checking and have signed up for direct payroll deposit. Only thing is I don't live near a walk-in branch which kind of blows. Oh, they also asked me if I wanted to apply to refi my car but I told them its almost paid for. So maybe when I apply for a new car loan I'll do it with them. 

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‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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