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First NFCU card

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Established Contributor

Re: First NFCU card

Congratulations!!!



Message 11 of 19
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Established Member

Re: First NFCU card

Congrats on the approval. Did you find out if they SP or HP you when you want to add additional funds to your savings to increase your limit?
Message 12 of 19
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New Contributor

Re: First NFCU card

@Strongbad2  I haven't found out if they do a pull. From my understanding (so far), I simply have to add funds to the savings account and call them up to increase the limit. I'm still waiting on the card to arrive and then I'll probably give them a call to see what will happen. Smiley Happy

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 01/31/20 ~~ EQ: 657, TU: 648, EX: 623
FICO 9 on 01/26/20 ~~ EQ: 648, TU: 651, EX: 631

Indigo $300
Credit One $650
Fingerhut Credit $1,000
NFCU CashRewards $2000
Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 01/05/20: 650
AAoA: EQ - 7yr7mo, TU - 7yr7mo, EX - 5yr4mo (as of 01/31/20); INQ are 6 EQ, 4 TU, and 5 EX.

My DPs: mainly 1099 worker w/ ~3k/mo income, 1 private student loan & 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 13 of 19
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Established Member

Re: First NFCU card

Congratulations!



Goal Cards:


Message 14 of 19
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Regular Contributor

Re: First NFCU card

I would say just use the card and make frequent payments to keep the utilization % low.  Then apply for one of their unsecured cards on after 3 months.  You will most likely get approved for a much nicer SL as long as your CR remains the same or improved.  



Message 15 of 19
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New Contributor

Re: First NFCU card

@Vu thanks for the suggestion. My only worry is having the BK just discharged in early July, they won't like an unsecured app until 1 year post BK. Is this different with NFCU once you have a secured card with them for a time?

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 01/31/20 ~~ EQ: 657, TU: 648, EX: 623
FICO 9 on 01/26/20 ~~ EQ: 648, TU: 651, EX: 631

Indigo $300
Credit One $650
Fingerhut Credit $1,000
NFCU CashRewards $2000
Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 01/05/20: 650
AAoA: EQ - 7yr7mo, TU - 7yr7mo, EX - 5yr4mo (as of 01/31/20); INQ are 6 EQ, 4 TU, and 5 EX.

My DPs: mainly 1099 worker w/ ~3k/mo income, 1 private student loan & 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 16 of 19
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Regular Contributor

Re: First NFCU card


@wantitgone wrote:

@Vu thanks for the suggestion. My only worry is having the BK just discharged in early July, they won't like an unsecured app until 1 year post BK. Is this different with NFCU once you have a secured card with them for a time?


Sorry for not reading your post properly.  You are correct that NFCU does not approve any unsecured cards within 1 year after BK discharge.  My apologies.



Message 17 of 19
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Established Member

Re: First NFCU card

I added additional funds and they did a hard pull on Equifax.
Message 18 of 19
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Contributor

Re: First NFCU card

While we all feel a level of impatience, please take solace in the fact that you are starting your journey... there are numerous individuals on these boards that were in the same situation as you. Paying your card in full each month if you can, keep overall utilization low, after a year of discharge, try Capital one or Discover and see what they offer you. In the intrim, keep NFCU happy and I assure you, they will take really good care of you. NFCU is legendary in granting great CL's and terms.

Stay the course, its not a sprint its a journey, I wish you all the best!!




8/19 FICO 8 TU 724 EX 712 EQ 698

FICO 9 EX 737
Starting Score: 720
Current Score: 720
Goal Score: 800


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Message 19 of 19
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