NFCU Secured Card Graduation at 11 Statements

Anonymous — Fri, 13 Jul 2018 19:38:06 GMT

I have read the many posts regarding NFCU graduating secured cards on the 5th or 13th statement, but today when I logged onto my account my CL was $2000 vs. the $500 I secured it with. Knowing this was a sign they had probably unsecured it, I used the online chat to confirm it had indeed been unsecured. So, not sure if NFCU is changing the way they do things, but my first statement was 09/12/17 and on 07/12/18 it graduated, 11 statments.

In addition to my graduation, June 28th marked 1 year post BK discharge, so on July 1st I applied for the CashRewards card and was approved with a CL of $1000. Like others I had tried around 6 months post BK, and again around 10 months but declined both times, the 1 year mark hit and the flood gates have finally opened. Its also worth noting that in May (11 months post BK) I was approved for $2000 CLOC. I had asked for $5000, but they offered 2, so I took it.

When speaking with the online rep today, I asked about combinding the cards so I could have a $3000 CL on the Cash Rewards card, she said I could with an Emessage request, just not sure if closing my now unsecured card will hurt my score. Your thoughts?

Re: NFCU Secured Card Graduation at 11 Statements

Eagered2succeed — Fri, 13 Jul 2018 20:01:30 GMT

Congrats on the unsecure. I would not combine and wait til your cash rewards is pass 91 days and have had at least 3 statements cut to ask for a cli. Preferably right after and AR(to hopefully get a sp cli). I would also pc the nrewards to a gorewards for the better points structure...

Re: NFCU Secured Card Graduation at 11 Statements

19eighty5 — Sat, 14 Jul 2018 15:38:44 GMT

Congrats on your card graduating!

Re: NFCU Secured Card Graduation at 11 Statements

Anonymous — Sat, 14 Jul 2018 16:59:37 GMT

Congrats, OP!

topic Re: NFCU Secured Card Graduation at 11 Statements in Credit Cards

NFCU Secured Card Graduation at 11 Statements

Re: NFCU Secured Card Graduation at 11 Statements

Re: NFCU Secured Card Graduation at 11 Statements

Re: NFCU Secured Card Graduation at 11 Statements