WELCOME NFCU FAMILY

[Anonymous]

when i get the deposit back should i go to another big bank such as Boa or Citi to start with a secured that will turn into unsecured or just leave the secured cards alone

[CreditInspired]

First, congrats on getting a NFCU membership. You won’t regret it. 

Second, I have to give you the same advice I just gave on your DiscoverIT post.

You have a lot of CCs and inquiries. So with the $1K Disco approval and now this $700 NFCU approval, it really is time to garden and stop applying for CCs. These low limits are a hint that your credit profile is not quite what lenders are looking for. I think if you give yourself 12 months in the garden, you will see larger SLs. 

GL2U

[Jnbmom]

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@Anonymous wrote:

when i get the deposit back should i go to another big bank such as Boa or Citi to start with a secured that will turn into unsecured or just leave the secured cards alone

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NO, you do not need any secured cards. You should close the open sky and credit one and get rid of those catalog cards, you don't need them.

And as others have advised go to the garden and do not apply for any more cards  when you began to get low SLs as with discover and navy, it's really time to garden You should let your accounts age atleast 6-12 months.

Good luck

[Anonymous]

thanks JNBMOM for the tip also the rest of the forum for chiming in.......

[Jnbmom]

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@Anonymous wrote:

thanks JNBMOM for the tip also the rest of the forum for chiming in.......

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@Anonymous 

No problem,  you are doing well. Just stick around here and you will learn lots of useful information. 

[Anonymous]

Will do......garden here I come

[3se7ens]

Welcome Aboard!! Congrats!

[Heatt99]

Congrats. Navy could be that way to test you. Its 91/3 that makes you jump. I was only approved for 1k first card, 2nd card 25k. Waiting for when I really need credit to apply for the 3rd card. 1st card cli to 3k @ 6 mon.
Look into their Amex as they will improve the rewards to 3x dining, 3x tolls, ridesharing, public transport.

[Anonymous]

Was anyones inquiries as bad as mine when you app for 2nd card and also the cli

[Anonymous]

Also NFCU family, Do they like for you to pif or maintaining the under 7% util with their cards and/or on your credit profile?