Re: NFCU Go Rewards Approval and Mini App Spree

MileHigh96 · ‎06-16-2023

It's been 91 days since I was approved for my first NFCU card so I decided to pull the trigger on a second card and got approved for the Go Rewards Card. Not nearly the limit of my original card, but totally fine with that. So far Navy has been amazing since I was able to join about ~ 4 months ago. Really looking forward to having this relationship grow.

Also, I was approved for a Platinum Elite card at my local CU where I do most of my banking for a $3K SL and was first denied by Affinity FCU for the card I app'ed for, but they countered with their Pure Rewards card with a $1K SL which I accepted since I had already burned the HP on the app. Add in the Bread AmEx approval I made a thread about a couple of weeks ago, I went 4 for 4 on my mini spree.

Now it's time to just sit back and let everything marinate, I'm into the garden for at least 12 months and let my rebuild keep maturing. I can't thank everyone enough for the advice and help I've received here because I NEVER would have imagined that less than 2 years post BK7 that I could have rebuilt my credit to the state it's at now. Next stop will be to getting all 3 FICO's up over 700.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $12500 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $9500 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Land's End Visa $5300 CL (opened 11/13/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

4/6, 4/12, 9/24 new accounts
TCL: $206.4K

CardHunter · ‎06-16-2023

Very nice approvals, congrats!

M_Smart007 · ‎06-16-2023

Congratulations on your Approval 🎉

JoeRockhead · ‎06-16-2023

Very nice, congratulations!

user979797 · ‎06-16-2023

Congrats on your NFCU approval nice SL

>

CreditMagic7 · ‎06-16-2023

Congratulations on your NFCU Go Rewards approval

NoMoreDebt · ‎06-16-2023

Congratulations on your Approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CreditAggie · ‎06-16-2023

Congratulations on your approvals!

Current Cards (in order of approval):

Current FICO 8 | 9 (October 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

nytokyobred79 · ‎06-16-2023

@MileHigh96 wrote:
It's been 91 days since I was approved for my first NFCU card so I decided to pull the trigger on a second card and got approved for the Go Rewards Card. Not nearly the limit of my original card, but totally fine with that. So far Navy has been amazing since I was able to join about ~ 4 months ago. Really looking forward to having this relationship grow.

Also, I was approved for a Platinum Elite card at my local CU where I do most of my banking for a $3K SL and was first denied by Affinity FCU for the card I app'ed for, but they countered with their Pure Rewards card with a $1K SL which I accepted since I had already burned the HP on the app. Add in the Bread AmEx approval I made a thread about a couple of weeks ago, I went 4 for 4 on my mini spree.

Now it's time to just sit back and let everything marinate, I'm into the garden for at least 12 months and let my rebuild keep maturing. I can't thank everyone enough for the advice and help I've received here because I NEVER would have imagined that less than 2 years post BK7 that I could have rebuilt my credit to the state it's at now. Next stop will be to getting all 3 FICO's up over 700.

Congrats on your approval and successful mini spree.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $216,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $70K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K