I would say your are correct except I've seen people with much better results than I with them and much weaker profiles. As soon as I am able, I will be getting a better card and do a balance transfer and close the account with them. I have not been impressed with them since the beginning and this just adds to that so I'm pretty much done with NFCU.
Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>
