topic Re: Another NFCU miracle!! in Credit Card Approvals

Another NFCU miracle!!

scarzy — Tue, 04 Dec 2012 11:47:55 GMT

My wife and I joined NFCU 2 weeks ago, and made our minumum opening deposits

for checking and savings. We were discharged from Bk7 three weeks ago. Our goal was to get a credit card through them.

Since we were fresh from Bk7, we were ready to open up a secured card.

On a whim, we decided to apply for the nRewards card to see if they were really Bk friendly.

Well, the process took 2 days, and on the 1st day, they asked for both paystubs. I was sweating bullets

for a decision cause I knew we were getting denied due to our 3 weeks old bankruptcy.

Lo and behold, I logged on NFCU banking website and I see that we were approved for 500 bucks!!!

The interest sucks of course, it's around 17.99 but we will take it!! Despite the low limit, we

are very happy that we got our foot in without a security deposit.

All in all, NFCU is very Bk friendly!!! Most credit union will want a good post 2 years before applying, but

NFCU thought our 3 weeks was good!! For that reason, that's a miracle!!

Re: Another NFCU miracle!!

Anonymous — Tue, 04 Dec 2012 12:20:09 GMT

Congratulations!!

Re: Another NFCU miracle!!

jsickz32 — Tue, 04 Dec 2012 12:33:52 GMT

Congrats! My dad is 3 years post BK7 and they refi his truck for 6% from 22.50% and they also approved him for cashRewards cc.

Re: Another NFCU miracle!!

ObeyJohnny12 — Tue, 04 Dec 2012 13:51:43 GMT

Congrats! I wish I could join NFCU but i'm ineligible.
I read they are very cl generous.
Congrats on your approval and BK discharge.

Re: Another NFCU miracle!!

MsLadyRover — Tue, 04 Dec 2012 13:59:47 GMT

Congratulations on your approval!

Re: Another NFCU miracle!!

Anonymous — Tue, 04 Dec 2012 14:16:25 GMT

Congrats! Which bureau did they pull for you?

Re: Another NFCU miracle!!

Mellon — Tue, 04 Dec 2012 14:46:53 GMT

Congrats NFCU is the best!!!

Re: Another NFCU miracle!!

scarzy — Tue, 04 Dec 2012 15:44:34 GMT

@Anonymous wrote:
Congrats! Which bureau did they pull for you?

They pulled equifax...

Re: Another NFCU miracle!!

Swapmeet — Tue, 04 Dec 2012 15:46:32 GMT

Congrats!!!! I have been thinking about applying with them, but I am firmly gardening untill next year.

Re: Another NFCU miracle!!

madmann26 — Tue, 04 Dec 2012 19:54:00 GMT

Congrats!!!!

Re: Another NFCU miracle!!

distantarray — Tue, 04 Dec 2012 20:55:18 GMT

17.99% sucks for interest? I guess you haven't had subprime cards ever in your life

even a lot of prime cards have 17.99% + without penalty apr

Re: Another NFCU miracle!!

Epcot — Tue, 04 Dec 2012 22:56:24 GMT

Nice, Congrats!

Re: Another NFCU miracle!!

Anonymous — Tue, 04 Dec 2012 23:00:04 GMT

@distantarray wrote:
17.99% sucks for interest? I guess you haven't had subprime cards ever in your life

even a lot of prime cards have 17.99% + without penalty apr