Applying for 2nd NF card after secured grad?

[Anonymous]

Good morning all hope everyone is doing well. I app for NF Amex card was declined. They mentioned my bk but I think they said reason was my internal score was reason for denial. My score was 329 out of 450. I think maybe I jump the gun a little. This morning I seen my secure card was being graduated. I see my limit was moved up to $2000. So how long should I wait to reapply for a second card? Thanks in advance. Hope everyone has a great day. 

[Anonymous]

I was denied for Navy Federal Amex card a few days before my Nrewards card upgraded. Should I reapply now that the secured upgraded or should I wait?and how long?

[Anonymous]

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@Anonymous wrote:

I was denied for Navy Federal Amex card a few days before my Nrewards card upgraded. Should I reapply now that the secured upgraded or should I wait?and how long?

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What reasons were given by NFCU for the denial? 

[FinStar]

When did you apply for the NFCU More Rewards AmEx?  When did your nRewards officially graduate?

[Anonymous]

@Anonymous they mentioned the bk but it mainly said my internal score. It was 329 out of 450

[Anonymous]

@FinStar It was last week I applied and nreward upgraded Wednesday 

[Anonymous]

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@Anonymous wrote:

@FinStar It was last week I applied and nreward upgraded Wednesday 

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Eh... let one statement cut with the upgraded card.  Maybe as many as three.  NFCU will show you luv, but give them a little time. 

[FinStar]

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@Anonymous wrote:

@FinStar It was last week I applied and nreward upgraded Wednesday 

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@Anonymous- I noticed you had already posted a previous topic on your NFCU prospects.  There is no need to create a new thread if an existing one relevant to the same topic already exists -- both have been merged btw.

As far as next steps, if you were recently denied for the More Rewards AmEx, I would wait until your recently graduated card has reached another 3 months and then try again.

I'm not sure how updated your signature is, but are those your current FICO scores?  How recently was your BK discharged?  Was it CH 7 or 13?

[Anonymous]

@Anonymous I was kinda thinking that but feeling a lil antsy lol. Which is they reason why I jump the gun in the first place. I can give it a little time. Thx

[Anonymous]

@FinStar Gotcha on the post. My current fico 8 according My subscription eq 655 Trans 639 ex 635 bk discharged 1/13/21. According the letter it said they didn't use my fico scores in the decision. I'll give it some time thanks