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NFCU SECURED CREDIT CARD!

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lindel
Frequent Contributor

NFCU SECURED CREDIT CARD!

Good evening! Can anyone that has gotten the nrewards secured credit card from NFCU, tell me how long did the process take? From start to finish? For example application process and how long did it take for you to get the card. Thanks in advance!

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000
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6 REPLIES 6
Scupra
Super Contributor

Re: NFCU SECURED CREDIT CARD!

After approval it took about 7 days if I remember correctly. Great secured card!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 7
lindel
Frequent Contributor

Re: NFCU SECURED CREDIT CARD!

Thanks Scupra! Did your card unsecured at the one year anniversary?

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000
Message 3 of 7
lindel
Frequent Contributor

Re: NFCU SECURED CREDIT CARD!

Any more takers

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000
Message 4 of 7
TheGardner
Valued Contributor

Re: NFCU SECURED CREDIT CARD!

Apply for the unsecured card, if denied ask for reconsideration to secured if they won't start you at even a $500 limit. Several have had success. I don't have experience with the secured graduation.

Good luck!
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 5 of 7
Scupra
Super Contributor

Re: NFCU SECURED CREDIT CARD!

I agree with the above poster as it is what I did. Applied in branch so they actually countered the secured version. Mine graduated on the 13th statement, which is the only time it graduates, and got an instant CLI to $1k I requested a CLI and went to $6k if I remember correctly.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 6 of 7
lindel
Frequent Contributor

Re: NFCU SECURED CREDIT CARD!

When i first opened the account i applied for the cash rewards and was denied on 3/30/2015.  I also sent private message to reconn, it was a no go. They suggested that i apply for the secured card but at that time, i guess i got discouraged and said forget it. I have sinced started having my paychecks direct deposit in my NFCU checking account so now i have the funds to do the secured. My scores havent changed much since i first applied. I have gotten 2 Cap One cards with 300.00 on them a piece. but only one is reporting. whatcha think?

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000
Message 7 of 7
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