So, my bankruptcy ended month before last, rebuilding, Cap 1, Kohl's and a few larger limit Comenity cards later I thought let me see if NFCU will approve me for a low limit card to start with since I was with them before and been a member since 2008. Now, I did include them in my Ch 13, but they were paid back at 100%, a little over $33,000. I apply and get a "do not meet lending criteria" decline. OK, let me message them and see exactly why the decline. The message I receive back says they have a loss due to me and the bankruptcy and until that's paid they can't extend credit.
Am I missing something here? There should be no loss on their part, they got all their money back...A LOT of money, in a much shorter time frame than a normal Ch 13.
Does anyone know what NFCU may think they are owed? I called but that dept only works M-F.
