Quick tidbit about my situation. Went BK, discharged 9/14. Got into NFCU 11/15. Rep on phone said you should apply for the go rewards visa. I said, well, im less than 1.5 years out of BK!? She said, well you should try. I said OK! She put me on hold and VOILA! I had a 600 credit score and less than 1.5 years out of BK and they approved me with 2k!!! I was ecstatic! Fast forward to last week 4/20/16, had my NFCU for 5 months, was on the website checking out my transactions and my point since we are going on vaca I was going to get some gift cards, So, I seen the little increase my credit link. I clicked it, updated my info, put in 10k for amount to increase and hit submit. Next screen said please call custoemr service. I was like damn!!! I figured that was bad news but decided to call. I call and get a rep on the phone. Told him I only have a 620 score but would appreciate any increase. He said you wanted 10k right? I said yup, but I will take anything and I understand if I dont get anything. He verified some info and said let me put you on hold for a minute. I said ok. He came back and said, "wow, they actually offered you more than the 10k!", I said ok, he said they offered you 16k and you will have a grand total of 18k! I calmly said, thats super, Ill take it!!! He finalized everything, I thanked him and hung up and logged back into NFCU and couldnt believe my eyes! 18k credit line, 17k+ was available!!! I thought I was dreaming!! I have a first savings card for 500, merrick bank for 1100, credit one for 500 and walmart for 500. that was it besides the nfcu 2k. can you believe a 16k increase with a 620 score. 1.5 years out of BK? NFCU is the best ever. Couldnt be happier, seriously! Just amazing. So, wanted to share my story!!!! I am 39 and this is the biggest CL I have had in my LIFE. Just amazing.....
