I am just over a year out from Chap 7 discharge, and have good news to report. One of my first cards post DC was Indigo with a $300 limit. I used the crap out of it, but always PIF every month. In June, I joined NFCU and got an NRewards Secured with a $200 limit. Decided to pull the trigger on a Cash Rewards card with NFCU last week. They approved me for a $2500 SL, which was totally awesome for me. I know some have gotten much more generous limits, but I'm still treading lightly and fine with a lower limit. I thought my 6 month statement would cut on 11/20 on the nRewards, but while that statement was the 6th, it wasn't a full statement. Am optimistic that the nRewards will graduate after 12/20.
As a result of all the NFCU love, I am happy to say I called Indigo and closed my account. They asked why, and I told them it was a starter card and I don't want to pay the AF that will hit at the end of next month. They also asked if I would keep it open for emergencies, and I declined. A card that costs me $99 a year for a $300 limit isn't a good deal. I appreciate the assistance on the rebuild, but our relationship is over. Surge is next, which should happen next week.
DP's:
Fico8 Scores
EX: 639
TU: 638
EQ: 637
Util: 27%
DTI: 16%
NFCU pulled TU for the Cash Rewards card.
