New NFCU Member Questions!

[sbabs1997]

Hi all,

New to the forums, been clocking these for a while and they've really helped! For some reason I thought you needed to purchase the FICO membership to join but I figured this out haha!

I learned about NFCU and the monster SL/CLI's through myFICO and just joined yesterday. I have been debating on what card to apply for as I have okayish credit that I've been rebuilding since graduation in May. I was at a 657 TU a week ago and after my forbearance hit my CR my TU and EQ went down 53 and 30ish points respectively which was super weird so I'm at a 605 TU right now. I want to wait a bit for it to go up a bit more but right now what do folks think I should do? My income is $75k, I have 2 baddies one of which is a collection I am currently trying to fight to get off as I am truly not responsible for it, and a Discover charge off that has since been paid off. I also have a Cap1 Platinum Card which still hasn't even shown up on my CR's and a Citi Secured card that just has a $200 CL. 

Looking forward to being a NFCU member and building solid credit this year and would appreciate any tips!

[Shooting-For-800]

Apply for anything except Flagship.

1st card is usually low limit.

After 90 days and 3 statements, 2nd card can me huge.

[sbabs1997]

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@Shooting-For-800 wrote:

Apply for anything except Flagship.

1st card is usually low limit.

After 90 days and 3 state nets, 2nd card can me huge.

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Thanks for the quick reply! No chance of anything at least ~ $3-4k? Going on a trip soon and would love to get a new card for it!

[Jnbmom]

Yes navy pulls TU for new credit cards, you may get a low limit or even the secured but at least you will be in and the future will be bright with them .

[sbabs1997]

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@Jnbmom wrote:
Yes navy pulls TU for new credit cards, you may get a low limit or even the secured but at least you will be in and the future will be bright with them .

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Hey! Really not looking to do another secured card as I already have one. Anything that makes theirs different?

[Jnbmom]

Yes it will set you up for additional cards in the future .

[Brian_Earl_Spilner]

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@sbabs1997 wrote:

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@Jnbmom wrote:
Yes navy pulls TU for new credit cards, you may get a low limit or even the secured but at least you will be in and the future will be bright with them .

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Hey! Really not looking to do another secured card as I already have one. Anything that makes theirs different?

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Me and my wife got cashrewards for our first cards with similar scores and $500 limits. Took about a year and a half before they bumped me up to $1500. My wife hasn't tried because she doesn't want another HP. Had I got the secured, I would have went from $500 to $2000 in possibly 6 months and then could have product changes to the cash rewards 

[Brian_Earl_Spilner]

While others have had success with 91 day increases or new cards. Neither of us have. 

[M_Smart007]

@sbabs1997  Welcome To myFICO Forums!

Get any card they offer you, and buid a relationship,

I can promise unless you have really "bad" things on your report, You will be a Happy Camper.

I know I am

[SFLSpotter9210]

Welcome to the myfico forums and NFCU family. Personally I joined NFCU in September 2019 applied and approved for GoRewards card for 1k. I knew this would happen so I wasn’t shocked. Reading all the great data on NFCU I knew they were a relationship based CU.

With that said 91/3 came and decided to pull the trigger on MoreRewards AMEX card instant approval with 25k SL and 11.15%. I personally was shocked both with the limit and apr.

So I would say go for it and see what happens if your willing to give up a potential HP. It’s a great CU with huge potential. If you do some research you will find that there’s data pointing in all directions so I guess it’s ymmv. Good luck with whatever you decide to do.