NFCU More Rewards AMEX Recon APPROVAL!!!

[Bcunniff9]

Thanks everyone, especially Donny and Joe. I’ll definitely take you’re advice and keep an eye out on my Sync accounts and grow my Navy account. Hopefully my secured card graduates soon. What other products should I have in my profile? I’m pretty much all done with retail revolvers lol. 

[Anonymous]

Firstly, congratulations. I contemplated bankruptcy last year… And my wife begged me not to do it. After checking my credit I saw that a lot of things in collections just fell off. My credit isn’t good so I opened up secured cards with USAA and Discover. I’ve been remitting payments on them every month… However I have a pretty high utilization rate due to the balance is being low.

I got a Mail advertisement for the more awards Amex from NFCU and decided to apply. They approved me for $15,000 at 15% APR.

This is the first time I’ve had an unsecured limit and one this high in my entire life. I know exactly how you feel. I haven’t got the card yet. But I’m def going to take this very Serious!

Quick Note: My Equifax and experi-! are pretty low. But my Trans Union is high.

[fmctatum]

Wow! Congrats!

[Anonymous]

Curious... what did you say in your recon message?

[jlitnns]

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@Anonymous wrote:
Curious... what did you say in your recon message?

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Reviving this, I'd like to know as well. I just sent a recon message to NFCU on a cashRewards card with a SL of $500. By far my lowest limit card. If not I'll sit in the garden and go for a CLI after my 91/3.

[Anonymous]

That’s awesome! Congrats.

[Adkins]

Congratulations!!

[Anonymous]

This is the only card Navy will not allow you to product change.  You have to cold app.

[JoeLuvsHisCredit]

Congrats

[Anonymous]

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@Bcunniff9 wrote:

So a little pre story first. I’m 14 months post BK7 d/c. My current scores are in my sig. Yearly salary $70,000+ including OT/stipends. Current accounts include: 

Nelnet Student Loan - $9,937.30
MOHELA Student Loan - $9,102.16
Santander Auto Loan - $14,058.89
NFCU nRewards Secured Visa - CL $1,500.00
Town Fair Tire - CL $2,000.00
Capital One QS - CL $500.00
Walmart - CL $3,500.00
Kohl's - CL $300.00
Amazon Prime - CL $3,500.00
Synchrony Care Credit - CL $7,000.00
Lowes - CL $5,000.00
Guitar Center - CL $800.00

Every year I evaluate my credit accounts. I’ve had a perfect history since my BK. So I decided to attempt CL increases on all my Synchrony accounts, but first I applied for a Guitar Center Card, just for **bleep**s. I shop there so I figured why not. I was approved for $800 SL. So after the approval, I started the process of limit increases. I’ll list the pre/post limits below.

Town Fair Tire - $400.00/$2,000.00
Walmart - $500.00/$3,500.00
Amazon Prime - $900.00/$3,500.00
Synchrony Care Credit - $1,500.00/$7,000.00
Lowes - $300.00/$5,000.00

@Anonymous. You read that correctly. Synchrony rewarded me with $17,400 in CL increases in about a 20 minute time span. So at this point I’m in total shock. I screamed like a little girl when I was finished with applying. As many of you know, the high you get from this really cool. So out of pure stupidity I decided my credit profile was good enough to apply for the new NFCU More Rewards AMEX. The card that’s supposedly a very difficult card to get. I applied and was shot down faster than you could believe lol. So I sent a PM to NFCU through their messaging system. The response I got the next day put me into shock again. I thought I was dreaming. So I only got a $1,000.00 SL @ 18% APR, but I’m not mad at all. It’s a foot in the door, and I’m grateful for that. So the moral of the story is never say never after a BK. Keep pushing for what you deserve and stay the course. Now I need a nap 😂.