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NFCU nRewards Secured Approval

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Total80sKid
Senior Contributor

NFCU nRewards Secured Approval

Applied for the nRewards with NFCU since I just got discharged from a BK7. 

Was instantly approved online for the $200 I chose to deposit.

E820FB81-6372-4DAB-9443-F4E53C32876B.jpeg

 

 

Will be getting an SSL soon.

 

TU: 517

AAoA: 5yrs

INQ: 2

Income: $11.5k

 

Now I have my 3 cards, so hopefully I can start gardening soon.

 

 

Message 1 of 19
18 REPLIES 18
chalupaman
Super Contributor

Re: NFCU nRewards Approval

Great start. Treat that card well and I'm sure in a little while NFCU will open up more cards for you in the future! 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 19
CreditAggie
Community Leader
Super Contributor

Re: NFCU nRewards Approval

Congratulations on your NFCU approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 19
DONZI
Established Contributor

Re: NFCU nRewards Approval

Congrats on the new card!

 

The 3 revolvers I've understood is a great plateau to garden with!

 

I wish I'd done what you did (acquired a second card) instead of getting a tiny secured loan that I never use, go figure.. loaning myself $100. Smiley LOL

2014 credit2020 credit2021 credit2023 credit
paypal credit imagecredit card imagecredit card imagecredit card imagecredit card imagecharge card imagecredit card imagecredit card imagecharge card imagecharge card image
[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]
Message 4 of 19
gingerflower
Valued Contributor

Re: NFCU nRewards Approval

Congratulations on the Nfcu approval!

Message 5 of 19
surferchris
Valued Contributor

Re: NFCU nRewards Approval

Congrats on the great approval and first step (of many future CLI's) into Navy!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 6 of 19
M_Smart007
Legendary Contributor

Re: NFCU nRewards Secured Approval

@Total80sKid, Congratulations on your nRewards approval👍

Message 7 of 19
DivideByZero
Established Member

Re: NFCU nRewards Secured Approval

Congrats! This is a good place to start, I went through the same process around this time last year. They are very good about auto upgrading around the 6 month mark, I started with $500 on mine and when I graduated to NRewards unsecured they gave me an initial limit of $2,000. Something to remember: They pull your EX report for initial account, but moving forward when you apply for new cards they will pull TU-so make sure it is in order before you apply for another card. My credit history was very very bad, and after a year I applied for the More Rewards AMEX through NFCU and I got instant approval for $25,000. Keep up the good work, NFCU is very generous as long as you are responsible with them.

Message 8 of 19
gdale6
Moderator Emeritus

Re: NFCU nRewards Secured Approval

Grats on your new nRewards approval!

Message 9 of 19
spiritcraft1
Valued Contributor

Re: NFCU nRewards Secured Approval

Been there, done that and it worked out great!  Congrats.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 10 of 19
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