NCFU just approved me for a 4k cash rewards cc. Just days ago I signed up for the minimal $5 savings account. My credit score with experian was 586 before applying. I have several baddies on my report including: 2 chargeoffs, 1 settled judgement, and 4 paid medical collections. My only current debt is 15k in student loans which have been in good standing for 3 years now. My income is low at ~$30k a year.
NFCU has been discussed a lot on here, good and bad, but I am so glad I took the chance and applied for the cash rewards. If I was declined, I was gonna reapply for the secured card anyways.
That's amazing. It should help a ton in future approvals. May as well get greedy and go for a navcheck as well. May use the same pull but not 100% sure.
Congratulations on the approval! Your credit history similar to mine, and I was approved for the cashRewards last week as well (got the card in the mail yesterday).
Welcome to NFCU! As boomhower stated, NavChek may be worth a shot, but you'll need a Checking account, as NavChek is an Overdraft Line of Credit.
BTW, how did you get your Experian score?