topic Re: Nfcu Membership Approved in Credit Card Applications

Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 17:32:48 GMT

How long should I wait until I apply for the secured CC. Now? Wait a few months?

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 17:46:57 GMT

What are your scores ? Bc they are wonderful for helping rebuilders , you may be able to get an unsecured and skip that secured step .

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:03:52 GMT

All of my scores are hovering around 600. I joined based on them being good for rebuilders and I was hoping to build some history with them so I could apply for a mortgage in 12-18 months.

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 18:18:03 GMT

I would most definitely apply for a unsecured card first , my fiancé was only barely 600 when approved for CashRewards card 1600 SL . The only thing that would spook them is recent BK discharge , but even then most are still able to get an unsecured card with 500 SL.

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:21:34 GMT

Oh awesome. Thank you for the advice!

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:22:22 GMT

Should I try the cash rewards card or a different one?

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 18:26:25 GMT

Lots of ppl have good luck with that one , it all depends on what fits your needs though . The Cash back is pretty good . Just don't try for the Flagship it is a prime card so would require a higher score I believe. Good luck and let us know how it goes!

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:36:37 GMT

Denied...How are they with recons?

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 18:40:32 GMT

Very very good with recons , send them a secured message from your online acct telling them the reasons you want a card with them. And explain that you are in the process of rebuilding/ building credit .

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 18:43:18 GMT

I actually got my CC by recon , my score when i was denied was 642, but i had a major default on my student loan that was being rehabbed but still showed as negatives when I apped , anyway I was able to get it approved when i sent them a.recon message.

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:46:21 GMT

Thank you Aduke you have been very helpful. I sent what I feel is a good recon message to them so I will keep you updated!

Re: Nfcu Membership Approved

jbb27885 — Tue, 18 Oct 2016 18:46:59 GMT

Even if they so no, I'll apply for the secured card which is what I was expecting in the first place

Re: Nfcu Membership Approved

Aduke1122 — Tue, 18 Oct 2016 21:12:56 GMT

Yes it's always worth a try to first get an unsecured card. Let me know how it goes , good luck and sometimes it may take them a bit to respond . I recommend reading the massive Navy fed thread on here .. offers so much info .