Thank you so much!! Contemplating a credit line increase once I move more money to NFCU. If I do so will that incur another HP? If so it might be better to just wait. Don't want any more inquiries for at least six months.
I'm not sure you need to tie up more money in a secured card unless you want to show utilization and you PIF. Immediately after BK7 I went for the secured card with $1000. Within a year they issued me a Rewards Card with $1500 limit and 91 days after that I converted that to a Cash Rewards card with a $2600 limit. Another 90+ days and I applied for a second card (Platinum) and received a $4300 limit. Immediately (within the hour) I requested a $400 increase on my Cash Rewards card and was approved. I'm going to wait until 190+ days to request the Flagship card. I may clear off some of the less preferable cards I currently carry. I'm hoping for at least a 15K+ limit based on the internal NFCU credit score. There is a very good NFCU forum on MyFico.com.
Congratulations and good luck.
