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First NFCU card

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New Contributor

First NFCU card

I opened an NFCU checking and savings in mid May.

After putting $300 in my savings, I was approved for the secured nRewards earlier today.

My BK 7 discharged on the 9th and they pulled TU (555).

Since this now makes 3 cards, I'm going to garden and see what happens in six months w/ the auto review for this card. I plan to put a few things on it and PIF.

One question, will I be able to increase the security deposit?

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 09/27/20 ~~ EQ: 676, TU: 664, EX: 661
FICO 9 on 09/26/20 ~~ EQ: 668, TU: 687, EX: 679

Indigo $300 [O: 05/'19; C: 03/'20]
Kohls $300
Credit One $900
Fingerhut Credit $1,000
Williams Sonoma $1,000
NFCU CashRewards $2500
Ollo Rewards Mastercard $1,700

EQ FICO 9 from NFCU on 07/03/20: 650
AAoA: EQ - 7yr10mo, TU - 8y, EX - 5yr4mo (as of 09/26/20); INQ are 5 EQ, 3 TU, and 4 EX.

My DPs: mainly 1099 worker w/ ~3k/mo income, 1 private student loan and 2 federal consolidated loans ~75k IBR, had perfect 5 year payment history with 0 derogs until 90 day lates prior to filing BK. Burned Sync (Carecredit, Newegg), Discover IT, Cap 1 (2 cards), Chase (2 cards), Barclays, Comenity (Wayfair) and Target.
18 REPLIES 18
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Frequent Contributor

Re: First NFCU card

Congrats on your new card!


TU - 785
EX - 771
EQ - 779


Message 2 of 19
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Frequent Contributor

Re: First NFCU card

Congrats!



Current Scores Jul 2020 – FICO 8
Message 3 of 19
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Valued Contributor

Re: First NFCU card

Congrats on the approval, not sure myself regarding the deposit increase but am sure someone's been through it here before.


Message 4 of 19
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Epic Contributor

Re: First NFCU card

Congrats!!

popcorn eating emoticon.gif

Message 5 of 19
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Valued Contributor

Re: First NFCU card

Congrats on getting in with Navy!




Message 6 of 19
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Established Contributor

Re: First NFCU card

Congratulations!

Message 7 of 19
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Regular Contributor

Re: First NFCU card

Congrats!!

Message 8 of 19
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Frequent Contributor

Re: First NFCU card

Congrats on your approval!!


Message 9 of 19
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New Contributor

Re: First NFCU card

Thanks everyone! Smiley Happy

 

Everything I've managed to find says I can put more money in the savings and then call to ask them to increase my limit so if I decide to do that I guess I'll find out!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 09/27/20 ~~ EQ: 676, TU: 664, EX: 661
FICO 9 on 09/26/20 ~~ EQ: 668, TU: 687, EX: 679

Indigo $300 [O: 05/'19; C: 03/'20]
Kohls $300
Credit One $900
Fingerhut Credit $1,000
Williams Sonoma $1,000
NFCU CashRewards $2500
Ollo Rewards Mastercard $1,700

EQ FICO 9 from NFCU on 07/03/20: 650
AAoA: EQ - 7yr10mo, TU - 8y, EX - 5yr4mo (as of 09/26/20); INQ are 5 EQ, 3 TU, and 4 EX.

My DPs: mainly 1099 worker w/ ~3k/mo income, 1 private student loan and 2 federal consolidated loans ~75k IBR, had perfect 5 year payment history with 0 derogs until 90 day lates prior to filing BK. Burned Sync (Carecredit, Newegg), Discover IT, Cap 1 (2 cards), Chase (2 cards), Barclays, Comenity (Wayfair) and Target.
Message 10 of 19
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