NFCU Secured nRewards CLI Question

[Anonymous]

I got approved for a secured Nrewards card in August of 2015 because I was denied a unsecured card.  Did the regular $500 limit.  In October of 2015 I applyed for an unsecured card and was approved for $9,700 and  then got a CLI to 10k in March of 2016.  Recently that unsecured card recieved a CLI to 18k.  My secured card graduated in October of 2016 which was after 13 statements and was given an automatic CLI to 2k.  I am now waiting my 6 months to request a CLI on that account which I will do in May after the next AR.  I have also been approved for a CLOC at 15k within a few months of establishing the secured card.

I share this with you to let you know that you don't have to wait until the unsecured card graduates to apply for a second card.  Of course everyones credit history is different so your mileage may vary but hope this helps.  I have read some post that their cards graduated after just a few months but when I have spoken with representatives they say that doesn't happen so don't know about that.

NFCU is the best, treat your accounts well and you will do well.  

[Grafton88]

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@Bcunniff9 wrote:

Quick question about the secured nRewards card. I've had the card since 10/16, very basic card which is right up my alley, so I'd like to hold onto it until it graduates (hopefully). My current CL is $500, if I wanted to increase the limit using my savings that is linked to it, would they hit me with a HP like an unsecured card? Or is the CLI just a "hey you have the funds, here's your increase"? I've never had a secured product before so I'm kinda new to this. Thanks in advance!

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Just to provide another data point.  

BK13 Discharged Sept. 2014

Applied for NFCU Secured CC March 2015 for $1000.

Turned down for CLOC Dec. 2015.

April 2016 Secured card graduated.  Apped for CLI.  Got it to $5000.

Public Record removed from reports August 2016.

Received CLI to $17,500 late 2016.

Just asked for another CLI.  Pending.

From what I have seen from NFCU is that they like clean reports.  Some people can get fortunate but some can get a HP for their efforts.

[Anonymous]

Basic CC IDK about that? I was able to boost my points to 10k in less than 6MO.s using they're member mall!!! It was my daily driver though😆