topic NFCU Approvals in Credit Card Applications

NFCU Approvals

SSR — Sat, 17 Jun 2023 21:31:11 GMT

Has anyone received an approval from NFCU after a Chapter 13 discharge with scores around 693?

Re: NFCU Approvals

user979797 — Sun, 18 Jun 2023 00:13:14 GMT

I have seen approvals with scores even lower than that so depending on circumstances you for sure have a chance. Did you try to pre qualify?

Re: NFCU Approvals

FireMedic1 — Sun, 18 Jun 2023 01:54:06 GMT

Were they made whole again?

Re: NFCU Approvals

SSR — Sun, 18 Jun 2023 01:58:41 GMT

Pre qualify came back with secured card.

Re: NFCU Approvals

user979797 — Sun, 18 Jun 2023 02:55:52 GMT

I would go for the secured card then; there are no fees and it will unsecure or "graduate" and you'll get your money back and be able to raise the credit limit on your card while keeping your account history. You'll also be able to qualify for more of their products pretty quickly if your credit score improves.

Of course you can still try for a unsecured card now as your score should be enough to get one possibly but my opinion would be to go for the secured since pre qualify didn't come back with any of the unsecured cards... but maybe others can chime in with better advice. Good luck!

Re: NFCU Approvals

Jnbmom — Sun, 18 Jun 2023 02:57:02 GMT

Was navy included in your BK 13?

Navy prequalified site is not the most reliable .

Re: NFCU Approvals

mortimerwereback — Fri, 23 Jun 2023 15:59:34 GMT

@SSR wrote:
Has anyone received an approval from NFCU after a Chapter 13 discharge with scores around 693?

As another member stated, Navy's Pre Qual is not very accurate. YMMV. Tried it a few times said it didn't have anything for me and then cold app'd and was approved. Now I have all three cards.

As long as you didn't burn them in BK you should be fine.

Re: NFCU Approvals

Jeffster1 — Fri, 23 Jun 2023 17:57:35 GMT

I was approved for the NFCU Amex about 18 months after my 13 DC. Scores were just above 700, IIRC.

NFCU was NOT IIB.