3 NFCU Cards - Will those work for rebuilding purposes same as 3 cards from different lenders?

[ntx]

Hi Everyone,

My plan is to get 2 additional cards from NFCU over the next 6-12 months. I'm not sure which ones yet, but I can't see actually ever using any more than those 3 cards. 

For rebuilding purposes, and over the long term for that matter, will those 3 unsecured cards from NFCU work just as well as say a card each from Chase, BoA, and Citi? Or do you get extra points for cards from multiple lenders and / or big bank lenders? 

Thank you,

NTX

[BmoreBull]

Any 3 cards will work for rebuilding. I have read on here not to use a cu card if you are attempting AZEO. Not sure the reason for this, but everyone always say let a bank card be your card reporting if you're doing AZEO. With thre cards all from a cu, you wouldn't have a choice. Also, I would worry about having all my financial eggs in one cu basket. Probably best to diversify a little. 

[ntx]

Good points, thank you BmoreBull. 

[FireMedic1]

You can use the cards since they're MC/Visa/AMEX. Its AMEX Charge cards that wont work.

[Anonymous]

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@BmoreBull wrote:

Any 3 cards will work for rebuilding. I have read on here not to use a cu card if you are attempting AZEO. Not sure the reason for this, but everyone always say let a bank card be your card reporting if you're doing AZEO. With thre cards all from a cu, you wouldn't have a choice. Also, I would worry about having all my financial eggs in one cu basket. Probably best to diversify a little. 

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from my understanding, some CUs code differently on the CRs, making them not usable for AZEO as the non-zero card.

Also, people suggest, as above, to not put all your eggs in one basket. If something spirals or AA happens with one bank, that would be against all the cards you have with them and all your CCs in general then!

Good luck!