NFCU Membership Approval

[recoveringfrombk7]

The rep I spoke to today sounded really happy with where I am at presently post-BK.  She almost seemed surprised.  I am just trying to figure out if I should snag a card before I settle into the garden.  I do not need one, but I can't help but wonder if showing responsible unsecured usage/management couldn't help my case.  I'd still be a year inquiry free anyhow.  My gross is 6 figures.  I carry no CC debt.  I have significant Student Loan debt but never ever late (even before/during bk) and extra payment on principle for the private ones post-bk.  So I think I'm good for all of that.  Relieved that loans are EQ, lucked out that for the stuff that matters I get to put my best foot forward.

[AllZero]

I'm not sure what their BK eligibility policy is to apply for the CC. Hopefully, another member can chime in. I don't know if it's 1 year or more? If I find some data, I'll post up.

Edit To Add. You should be good to go 1 year post BK.

[recoveringfrombk7]

I really appreciate all of your help.  I'm trying to search but looking for NFCU stuff on this board is like looking for hay in a haystack lol.  I might just bite the bullet and call the rep I spoke to today in the morning.  It's just an inquiry and I'd still be 9-12 months free of new inquiries heading into the loans.  

[AllZero]

I edited my previous post. You should be eligible for the CC products. It's up to you to decide when and which card to apply for.

FYI. 1st card may be a lower limit. 2nd card usually yields a higher limit. YEMV. One is eligible for a 2nd card at 91 days and 3 statements from account open. Same goes for 3rd card. Expect a EQ hard pull inquiry for CLI request. Recommended CLI request interval is every ~180 days from approval.

[M_Smart007]

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@recoveringfrombk7 wrote:

I really appreciate all of your help.  I'm trying to search but looking for NFCU stuff on this board is like looking for hay in a haystack lol.  I might just bite the bullet and call the rep I spoke to today in the morning.  It's just an inquiry and I'd still be 9-12 months free of new inquiries heading into the loans.  

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Just a word of Caution, The minimum on The Flagship card is $5K. And if you do not meet that, it would be a denial.

So for a first card, I'd go with any of the others. IMHO

[AllZero]

Great advice above.

Also, forgot to mention they offer CC prequal if eligible. Call in to find out.

[recoveringfrombk7]

Flagship isn't a great fit for me. More interested in the amex rewards, but planning to app something like cash rewards for the teaser limit and then do the one I really plan to use at 91/3.

This will allow me to sever my relationship with Capital One, which pleases me. I'm never gonna grow CLs there.

[AllZero]

Good luck on your future application. Hope to read of your approval in the approval forum.

[M_Smart007]

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@recoveringfrombk7 wrote:
Flagship isn't a great fit for me. More interested in the amex rewards, but planning to app something like cash rewards for the teaser limit and then do the one I really plan to use at 91/3.

This will allow me to sever my relationship with Capital One, which pleases me. I'm never gonna grow CLs there.

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Good plan, keep in mind you can product change their cards Visa to Amex and Amex to Visa.

One of the few lenders that does this. I PC'd the cash rewards to the more rewards.

Good Luck!

[recoveringfrombk7]

Thank you both so much for all of your help