congrats on your card approval. Nfcu is a great credit union. Jan 2016 I applied to refiance my auto loan denied but they approved me for the 15k cloc and a 3k cash rewards card which is now at 19.5k. I have to admit that was a little strange they wouldn't approve a secured loan but approved unsecure loan. I did have a repo on my credit from 2015 but perfect car credit since then. My credit score at the time was only 580.