NFCU Secured

[Anonymous]

I also have a $500 secured nRewards card.  I did apply for an unsecured card a few months ago and was denied.  I'll try once I've had the secured card a year.  

[lindel]

I called today and basically got the same response. The CSR basically says this is a case by case whether or not they unsecure your secured card.  She said your account is basically reviewed starting on the 13th month and if your credit has improved then they will consider unsecuring the card. I still think it helps to build a relationship with them just like it does with Cap 1. So i think its worth having IMO

[needtodobetter]

Thanks for the update, lindel.    I agree completely.  I am going to be applying on Wednesday once my DD hits my NFCU checking/savings accts.  

[Chrisla2077]

good info lidel. I'll wait for the 13th statement and try then. Doing the same thing with my BOA

[Anonymous]

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@lindel wrote:

Really! i just got my card on the 10th of this month and i was told that review your card after 12 months to see if card will unsecure?

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@Anonymous wrote:

I got my NFCU secured card last July and have been waiting patiently for August to come for my card to unsecure...so I called last week to confirm that my card will in fact unsecure in August and the CSR tells me that the lending team no longer unsecures these cards.  

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@ A friend of mine had a nRewards secured card that was due to unsecure May 2015 was told his card would not unsecure and that he should just apply for an unsecure card.  Well he did and was instantly approved for $10,500.  I applied for an unsecured card twice...at 7 months and at 9 months. Both declined ..even after a recon they stuck to their decision. But in March was approved for 15k CLOC and a new car loan @ 2.9%. I'm gonna try again in August. 

[needtodobetter]

Wow! Congrats on the approvals and good luck!!