Thanks for the info,i will definitely look into it cus 15k sounds good to me haha hoping your right,hopefully they dont have too many good products that will make it hard for me to choose from.any recommendations?
100% chance of approval for PRG. And the balance doesn't harm your utilization percent... that's why I love it. Perfect for folks who spend a lot.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Even though i have 15 inq?
My two newest accounts are from December,both an installment loan and a credit card.my aaoa is also my worry of 1.3,man you make it sound so easy lol very veey tempting,would you say over the phone or via internet?
My two newest accounts are from December,both an installment loan and a credit card.my aaoa is also my worry of 1.3,man you make it sound so easy lol very veey tempting,would you say over the phone or via internet?
Nfcu has limited options on cards and if you decide you want a different card just call them and they can switch your card for example if you have cash card and decide you need flagship just call them. No need to reapply or cancel anything just product change 
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
I got my first amex with 18 inq and got nfcu with 19 inq. They don't care. They aren't like chase or Barclay. My starting limit with nfcu was 22k. Now I'm at 25k and I have a 22k amex revolver on top.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Jeeeeez,rolling big!i will go give it. A shot,maybe over the phone.
I'm all about the gardening but I see no point in waiting. I say go for it and do nfcu then you can garden for years and close low limit cards.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
Nfcu has limited options on cards and if you decide you want a different card just call them and they can switch your card for example if you have cash card and decide you need flagship just call them. No need to reapply or cancel anything just product change
I agree webhopper. They are so great.
Nfcu takes a few days to process your info but then they will call and give you online access and everything... the few days you have to wait are well worth it and if you get a nfcu card you can do a balance transfer until the end of the month from any of your other loans or cards and get no interest for 1 year as long as you do it before the end of the month. Its a promotion. Also; nfcu never has balance transfer fees or cash advance fees and the rewards on my cash card are super easy to redeem.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!