08-14-2012 07:25 PM - edited 08-14-2012 09:42 PM
~So my husband (who is active duty army) joined NFCU a few months ago and I recently remembered and decided it would be a great time to open up a checking account with them and to hopefully one day get a credit product and auto loan with them down the road. I opened the account last night and made a small deposit until I get paid friday. I have been stalking the NFCU posts on here for months and after getting approved for the Military Star Card for a shocking $3600 I got a little gutsy this afternoon and decided to apply for the NFCU Cash Rewards Visa. I heard good things about the card and that it was good rebuilding card. I submittted my information and just knew I would be declined, get the 7-10 message or get a secured card offer, but low and behold less than 30 seconds later I'm staring at this message in my face! My husband was so happy for me and I almost shed a tear because it has been a rough 3 years for my credit profile.
I am still in utter shock so much so that I called them up to confirm and low and behold it was true!! I am so grateful to finally have a big girl card! If I need an emergency flight I no longer have to worry about trying to split two cards because of such low limits. I finally have an emergency card in case something arises with my family! I think my star card getting a high limit really helped push them to give me $5,000 starting out limit.
My baddies were quite a bit: Bloomingdales charged off but paid in full, Macy's charged off currently paying them, about 4 inquiries on each report, first premier charged off currently paying them, chase amazon (now closed) two 30 day lates 5 years ago and a medical bill in collections.
My goodies: Orchard, Capital one (now closed), sallie mae loans, Victorias Secret, Military Star, Jared (Now closed) Two current scores: 612 and 620.
I am very grateful and cannot wait to nurture this card and hopefuly see it grow. I am truly rebuilding and gardening now. This forum has given me much valuable advice and I am truly grateful!
So here is my current credit profile: Orchard Bank/Now Capital One: $300 still & Had since 2009
Victorias Secret Angel Card Upgraded to V.I.P $250 Opened June 6/12
Military Star Card $3600 Opened last month 7/12
Applied Bank $500 Opened last month 7/12
Credit One: $400 Opened this month 8/12
NFCU Cash Rewards Visa $5,000 Opened today 8/12
P.S- How are they with CLI for this card? Thank You!
08-14-2012 07:45 PM
congrats! treat them good and they will do the same. id say wait at least 6 months to ask for a cli. if you use your card right and have low or 0 utl on that card when asking they might double your cl but it will be a hard pull. again congrats!!
08-14-2012 08:00 PM
that's awesome and a great CL!!!! For those of us who start with the less than 1K credit lines, its a shocker to see a CL that large. I plan to app with them within the week. I am so excited to get with Navy Fed. CONGRATULATIONS!!!!
08-14-2012 08:10 PM
Congrats I'm very happy for you after reading your post. It makes me happy reading that a credit union I am a member of has affected your emotions in a positive way just by being loyal to their meMbers.
08-14-2012 09:40 PM
Thank you all so much for the kind words!! Today was a great day!
08-15-2012 02:30 AM
Congrats! They are truly a great CU!