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NFCU Cash Rewards Approval, interesting bankruptcy DP's

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NFCU Cash Rewards Approval, interesting bankruptcy DP's

I have started getting rid of some of my subprime cards, and was going to apply for this card later this year. But I figured what the heck, its been exactly a year since my discharge, why not go ahead and apply. I had done extensive research on this site regarding NFCU and their bankruptcy polices, and found they will not approve you until your atleast 1 year from your discharge, and its most likely will be 1k for an SL, with any real CLI until after the second year. Well to my surprise, I applied and was instantly approved for $10k. I'm completely floored, I didnt expect to get in that CL range for atleast another year from now. I hope it wasnt a mistake, I did get an email and text saying I was approved. But this dont match their policy, unless they changed it. I will feel better once I can see the account online. LOL! In the meantime, Im offically done and in the garden. Im very grateful and glad to finally get in the door with NFCU. Looks like i might not miss Amex after all!!:smileylol

 

UPDATED- Just got the email with the card number, now I can rest easy!Smiley LOL

2019-06-01 (2).png


BK 7 Discharged: 05/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 1 of 12
11 REPLIES 11
Valued Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

W O W !!!  Smiley Surprised

 

VERY generous line under the circumstances!

 

Go NAVY FCU!!!  Enjoy your new card!  Smiley Very Happy




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 2 of 12
Established Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Congratulations! Navy comes through yet again!

Message 3 of 12
Senior Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Congrats on the approval!









Message 4 of 12
New Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Wow congrats! This gives me some hope for the future!
10/12/18: Discharged from BK7
10/15/18: EX 541 | TU 490 | EQ 555
6/7/19: EX 625 | TU 624 | EQ 655

Message 5 of 12
Valued Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your NFCU Cash Rewards Approval, the AWESOME SL, and the SUCCESSFUL Rebuild progress!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $165K+ | Rebuilding since April 2018
Message 6 of 12
Valued Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Outstanding SL!  Congrats on your NFCU CR card!  I found out about Navy on here last year.  Very pleased with them thus far!  Thanks for sharing your dp's with us.




UNpopular opinions have served me well and will offer that which has worked for me.
Message 7 of 12
Valued Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Sweet! It's Christmas in June! Congrats on your NFCU CashRewards approval and great SL! Smiley Very Happy

Currently: Gardening since 12/29/2019


Message 8 of 12
Frequent Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's


@720Dreamer wrote:
Wow congrats! This gives me some hope for the future!

Absolutely, I guess they must have changed their polices again!Smiley Very Happy 


BK 7 Discharged: 05/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 9 of 12
Established Contributor

Re: NFCU Cash Rewards Approval, interesting bankruptcy DP's

Thats a very nice limit. Congrats!!!











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Message 10 of 12
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