NFCU Chances??

Anonymous · ‎04-20-2013

My husband and I are fresh out of Ch 7 Bankruptcy. I've been reading these boards for a few months so we both joined NFCU almost immediately after seeing/reading all the great things you guys had to say. We jointly applied for a credit card (cash rewards) through NFCU - my TU score is low 500s (like 515ish) and my husbands is 550. We got the 3-5 day message.

I know it was probably a very, very long shot but I figured what the heck! Any chance we will get approved?

webhopper · ‎04-20-2013

@Anonymous wrote:
My husband and I are fresh out of Ch 7 Bankruptcy. I've been reading these boards for a few months so we both joined NFCU almost immediately after seeing/reading all the great things you guys had to say. We jointly applied for a credit card (cash rewards) through NFCU - my TU score is low 500s (like 515ish) and my husbands is 550. We got the 3-5 day message.

I know it was probably a very, very long shot but I figured what the heck! Any chance we will get approved?

If declined, you can always go for the nRewards secured card.

I think there is a reasonable chance you'll be approved. Probably at a $500 limit.

Is your income good?

FICO 8:
Goal: Gardening!

Anonymous · ‎04-20-2013

About $70k. I don't know if it matters but I have been at the same job for nearly 7 years - so I was hoping if I needed to talk to them, that would help me out a bit? Job stability and whatnot.