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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 07/25/20 ~~ EQ: 675, TU: 658, EX: 651
FICO 9 on 07/26/20 ~~ EQ: 661, TU: 687, EX: 636

Indigo $300 [O: 05/'19; C: 03/'20]
Credit One $650
Fingerhut Credit $1,000
NFCU CashRewards $2500
Ollo Rewards Mastercard $1,700

EQ FICO 9 from NFCU on 07/03/20: 650
AAoA: EQ - 7yr11mo, TU - 7yr11mo, EX - 5yr4mo (as of 07/26/20); INQ are 4 EQ, 3 TU, and 6 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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Mega Contributor

Re: First NFCU card

Congrats!!

“There is so much pain in the world, and most of these people keep theirs secret, rolling through agonizing lives in invisible wheelchairs, dressed in invisible bodycasts.”
Message 5 of 19
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 07/25/20 ~~ EQ: 675, TU: 658, EX: 651
FICO 9 on 07/26/20 ~~ EQ: 661, TU: 687, EX: 636

Indigo $300 [O: 05/'19; C: 03/'20]
Credit One $650
Fingerhut Credit $1,000
NFCU CashRewards $2500
Ollo Rewards Mastercard $1,700

EQ FICO 9 from NFCU on 07/03/20: 650
AAoA: EQ - 7yr11mo, TU - 7yr11mo, EX - 5yr4mo (as of 07/26/20); INQ are 4 EQ, 3 TU, and 6 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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