thx for the good wishes and the smile chester..........
I really didn't figure I would get an immediate reply.........I do still have a fraud alert on my file too.
I expect a call from NFCU.......
its not a flat out denial.....the fact they are considering me under review........makes 2012 that much brighter........
I think your FICO score may be a bit too low for a unsecured NFCU. Your secured card's good history may help tho.
crossing my fingers for you!
tbc;
You probably won't know anything until Tuesday. Most of NFCU's credit card dept is off until then (if not all of it). They're working with a very minimal staff during the holidays.
If you have accounts with them you're using, and your secured card has been there a while (as LS2982 mentioned it helping); I'd say you're right on the fence for an approval of some kind being they sent you an invite with a code. At least that's going on all I've read about them. My reports were all clean with an EQ (checked 4 CC) score around 615 and TU (checked 4 membership) score around 688 when the pre-selected offer popped up on my account screen (no invite code being it was just the box on the account page).
I applied on the phone while signing up for online access after the prompting of the CSR during our conversation (the box was there upon accessing), was approved a few days later, only 3k, right after joining. My scores are lowered by high util (the worst part of 0%) and new accounts, I think the perfect history helped with the approval, my AAoA at the time was over 4 years.
As I said, seems like it could go either way as it seems you're on the fence info wise (IMHO).
Best of luck, I hope you're approved 
If not, I've read your best bet is right at the 1 year mark to request they unsecure a card, so it could end up being just a time factor.
