May 1st of this year I really started to care and grow my credit profile. A thin profile and some careless mistakes made me a subprime borrower. I wouldn't call it a rebuild since I don't know of a time were I had great credit. If I did, I never took notice. My loan rates were okay and my one emergency credit card was all I needed.
Flash forward to yesterday. I have my local FCU card ($2,000), Discover secured ($1000), Cap 1 QS1 ($800), Cap 1 QS (Platinum converted $800). Last three cards were all opened in May of this year.
Like many hear, I had decided to join NFCU as part of my build plan. Joined with them a month or so ago. Tossed some money in both the checking and savings and let the account sit while I raised scores a little higher - I had some active disputes. A week after opening the account, I received an email invite code for cashRewards card. I ignored it because I wasn't ready. I did the same with the postcard they sent me a week later.
Yesterday my disputes were complete so I went to the local branch and asked if my invite code was still good and they said it should be. I said alright and asked if I get approved and the card is under $5000 if I get a CLI later will it convert to a VISA signature and they said it would. That was all I needed to know so I said okay lets move forward with the application.
Instant approval!! I was kind of shocked. Sure I had an invite code, but I still thought I might be denied. Then came more shock when she told me the APR 9.9% which is the lowest! but.... she couldn't tell me the SL. She said I would get a message from them online later. I was kind of bummed but thought oh well. With that APR maybe I'll get lucky and it will be $5000 and I could get the VISA signature.
Well I had to go to work, but when I got home I checked my email from them and had a message. Logged in and confirmed the APR was 9.9%!! Then came the awe... my starting limit.... $23,700.00... I had to pick my jaw up on that once.
I wanted to share this long story to give hope to those in similar situations... and maybe gloat a little but cmon that is insane compared to the rest of my revolving accounts.
I'll look towards Chase next. My profile isn't ready now. I need to get in with them next though since I'm at 4/24.
Just some other notes when I apped, they pulled TU which my fico is 640 or 650 something like that. Utilization is 0%. Yes I do have negatives on my account (some 30 day lates and a join owner foreclosure).
I couldn't get a mere $500 from them. Congratulations! can you share if you keep high balance in your checking/savings with them? I'm not sure of the best course of action since my cc apps are denied and recon denied as well 
