NFCU nsecured strategy?

[nekosans]

I currently am mid rebuild and would like to move my current secured card into NFCU. I was denied a standard card so this seems to be the route I have to go for now. My current secured card is $2,000 and sort of an overall utilization buffer but with how NFCU is would putting that much of a limit into their secured offering be of any benefit to me? I was thinking of taking $1,000 out of it now that I have a $1000 Discover IT card I got approved for. Is there some golden amount or strategy to it at all?

My goal is to just let my credit rest and graduate within NFCUs offerings so I can cancel my subprime cards since ive moved out of the 500s. I currently have Mission Lane, two low AF Credit One cards, a Kohls card, Surge, the Discover IT and Fifth Third secured. I am sitting around 650 FICO8 but have around 15 inquiries I am still fighting from a recent problem...so I was denied reconsideration for a standard card.

[OmarGB9]

No real strategy. The main thing with NFCU is relationship (i.e. just give them time.); the limit you decide to put for your secured card doesn't matter. If able/plausible, expand your relationship with them via a checking account (doesn't have to be one that charges fees - it can be the free one), SSL, direct deposit, etc. All of that helps increase your internal score, which in turn helps your odds of graduating/getting CLIs.

[SUPERSQUID]

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@OmarGB9 wrote:

No real strategy. The main thing with NFCU is relationship (i.e. just give them time.); the limit you decide to put for your secured card doesn't matter. If able/plausible, expand your relationship with them via a checking account (doesn't have to be one that charges fees - it can be the free one), SSL, direct deposit, etc. All of that helps increase your internal score, which in turn helps your odds of graduating/getting CLIs.

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+1

Also when i first opened my checking and savings it was with 15 dollars in each. It doesnt take a lot of money to open them.