https://ficoforums.myfico.com/t5/Bankruptcy/NFCU-CLOC-Post-BK-experience/m-p/6422602#M80182 <P>I currently have Navy's OOPs service, set to ACH only. I do like having that padding just in case I need it, however paying $20 everytime I use it does suck, which is why I don't use it. (Although its one of the cheepest OD fee's ive seen). Which leads me to a couple questions:</P><P>&nbsp;</P><P>How far out of BK do you have to be in order to get approved for a CLOC with NFCU?</P><P>&nbsp;</P><P>How would a CLOC report (I.e. is it a revolving balance or an Installment loan?)&nbsp;</P> Tue, 12 Oct 2021 04:08:31 GMT kr43002 2021-10-12T04:08:31Z https://ficoforums.myfico.com/t5/Bankruptcy/NFCU-CLOC-Post-BK-experience/m-p/6422602#M80182 <P>I currently have Navy's OOPs service, set to ACH only. I do like having that padding just in case I need it, however paying $20 everytime I use it does suck, which is why I don't use it. (Although its one of the cheepest OD fee's ive seen). Which leads me to a couple questions:</P><P>&nbsp;</P><P>How far out of BK do you have to be in order to get approved for a CLOC with NFCU?</P><P>&nbsp;</P><P>How would a CLOC report (I.e. is it a revolving balance or an Installment loan?)&nbsp;</P> Tue, 12 Oct 2021 04:08:31 GMT https://ficoforums.myfico.com/t5/Bankruptcy/NFCU-CLOC-Post-BK-experience/m-p/6422602#M80182 kr43002 2021-10-12T04:08:31Z https://ficoforums.myfico.com/t5/Bankruptcy/NFCU-CLOC-Post-BK-experience/m-p/6422669#M80185 <P>Honestly. I would put more time and the HP it costs you into rebuilding your revovling credit lines. I would recomend waiting and applying for one of their cards when your profile is improved. Then you can get out of the secured world.</P> Tue, 12 Oct 2021 10:21:31 GMT https://ficoforums.myfico.com/t5/Bankruptcy/NFCU-CLOC-Post-BK-experience/m-p/6422669#M80185 FireMedic1 2021-10-12T10:21:31Z