NFCU Platinum

[Raw_Oyster]

Well, it has been more than 4 years since my last approval for a non-rebuilder card and after I applied and approved by CAP ONE green card ($500) I decided to try with NFCU and to my surprise I was approved for their Platinum card  with a $3,000 CL at a 13.74 APR. I know there is nothing special about this card but hopefully it will be the beginning of higher CL's and better cards. My FICO TU score was 612. 

[unc0mm0n1]

Congrats

[Raw_Oyster]

What are the chances for an AMEX approval or should I wait a little bit longer?

[09Lexie]

Congrats. NFCU will def grow!

[09Lexie]

What's your cr profile? Your TU score is low, do you have any baddies, high util?

[Raw_Oyster]

I have some baddies from 2008 (divorce), util right now is 56%. I should be able to pay off the remaining balances within three months.

[madmann26]

The util is killing you right now. Get that under 20% and watch the magic happen.

[mr_postman]

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@Raw_Oyster wrote:

What are the chances for an AMEX approval or should I wait a little bit longer?

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be good with Navyfed and forget amex

[riker20]

Love my NFCU platinum card.   As you can see its my highest limit.  Nothing fancy about the card.  Just glad I have a large limit in case I need it for an emergency at 7.9%. 

[indiolatino61]

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@Raw_Oyster wrote:

Well, it has been more than 4 years since my last approval for a non-rebuilder card and after I applied and approved by CAP ONE green card ($500) I decided to try with NFCU and to my surprise I was approved for their Platinum card  with a $3,000 CL at a 13.74 APR. I know there is nothing special about this card but hopefully it will be the beginning of higher CL's and better cards. My FICO TU score was 612. 

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Congrats...and I consider any non-subprime card special...