Best way/time/method to recon NFCU?

[Anonymous]

I was just declined for a NFCU Cash Rewards card.  What is the best way/time/method to recon?  Do I need to wait the 5-7 days to get the letter in the mail or is it best to recon now?  Is it best to make a phone call or to send a message?

They looked at my Transuion which is the worst of my reports and I don't feel it is accurate (in process of disputing).  

[Anonymous]

I just called in the day after my cloc was declined and was transferred to a loan specialist on my 2nd call. The first time I made the mistake of calling at their peak time and was told they were really backed up in the loan department. If you do call try a non peak time.

[CreditInspired]

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@Anonymous wrote:

I was just declined for a NFCU Cash Rewards card.  What is the best way/time/method to recon?  Do I need to wait the 5-7 days to get the letter in the mail or is it best to recon now?  Is it best to make a phone call or to send a message?

They looked at my Transuion which is the worst of my reports and I don't feel it is accurate (in process of disputing).  

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Am I reading your signature correctly that your BK was just discharged <1 month ago. That may be why you were declined. If/when you recon, make sure you have a definitive reason why you filed BK, what has changed to prevent it from happening in the future, and why you want a cashRewards CC.

[medicgrrl]

Good luck.  I'm 8 mo post dc on a Ch 13 with an 8 mo good rebuild history, 1% util, pretty good income and scores in the mid 600's and can't get a cc with them due to BK.  I was approved for an auto refi and a $5000 CLOC though so I will garden until next Spring and try again.

[Anonymous]

I've read here on the boards that they make you wait one year post BK for a credit card.  I don't know if that's correct, but I read it.

[Anonymous]

Well looks like no NFCU CC for me. I recon via secure message and they still denied me citing bkr as the reason. Guess I'll work with my Cap One, Discover and Penfed and try again later!

[Anonymous]

You may want to stay away from PenFed for now, they are a harder nut to crack then NFCU.

[Aduke1122]

I believe Op has already gotten an approval for Penfed if I'm
Remembering correctly

[grillandwinemaster]

Definitely garden what you have. 

FWIW- I know this is after the fact, but I "re-conned" via private message and I was approved.  I explained the reason for my negative entries. It seemed to work. 

Best credit wishes to you!

[Anonymous]

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@Anonymous wrote:

You may want to stay away from PenFed for now, they are a harder nut to crack then NFCU.

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Penfed has the same policy on requiring a 1-year wait after BK as NFCU, to my understanding, but they're also very inquiry-sensitive (their term of art is "pyramiding debt", so if they see what they consider too many recent inquiries/new accounts, they'll turn you down). That's why I'm waiting until September at earliest to try them - my most recent CC account/inquiry was in March. That being said, I'm counting on my longstanding and trouble-free relationship with them to help my cause. Also from what I understand, Penfed is exceptionally good on phone/in-person recon after initial denials.