@TRC_WA wrote:
You're approved for a nRewards® Secured Credit Card with a credit limit of $750.00 and an APR of 18.00%. You can expect to receive your new card in a plain, white envelope in the mail in 7-10 business days, unless you requested express delivery.
Do people actually get denied for secured cards? LOL
Rebuilding about 2 years... Ch 13 bankruptcy discharged 4 months ago with a year or so to go until the baddies fall off the reports. I joined PenFed and NFCU a month ago... one approved me for a card the other didn't and that's because my EQ Fico 9 is considerably higher than my TU Fico 9.
So along with setting up DD's with NFCU I decided to get my first (and last) secured card to start building the relationship with them so they'll open the floodgates later.
Not gonna lie I think it's a bit ridiculous that my denial reasons were due to balance status of NFCU accounts as well as DD status and insufficient variety of secured loan accounts (what does that even mean? I have a car loan)... but at any rate I'm in. NFCU internal score was 233.
I'm hoping the computer uses the same HP that was used 10 days ago... I was told by a rep it's a new HP but the NFCU thread said it might not be. We'll see. No HP notifications yet.
I went well over the minimum deposit of $200 so I can make more than 1 trip to Costco without maxing the card out. Gonna garden for the next year and we'll see where I stand at that time with the clean reports.
Congrats on the approval. Here's to seeing that relationship with them open up more opportunities for you down the line.
Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $204,500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 19.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
