nfcu advice ?

[phillyguy12]

Ok I confirmed eligibilty for NFCU, what do you guys think should app for the cc and or  nav check same day i apply?  also from looking around here it sounds like its a HP just to join and another hp for any additional product, not sure if i want the line and i am debating between the cash rewards or just the plain plat.  my  tu and eq are 720 not sure about ex, i have 3 very old negs showing, late on 2 student loans which fall off june, then 1 pd medical collection that falls off in oct- i am considering trying to get it off sooner, as i believe the dofd was well before whats being used which i think is the  date it was sent to collection.  i have been pretty good no new apps in a yr, and over all ult is 14%  aaoa is 6 yrs and 1hp on all 3 reports  but all are over 1 yr old

[Anonymous]

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@phillyguy12 wrote:

Ok I confirmed eligibilty for NFCU, what do you guys think should app for the cc and or  nav check same day i apply?  also from looking around here it sounds like its a HP just to join and another hp for any additional product, not sure if i want the line and i am debating between the cash rewards or just the plain plat.  my  tu and eq are 720 not sure about ex, i have 3 very old negs showing, late on 2 student loans which fall off june, then 1 pd medical collection that falls off in oct- i am considering trying to get it off sooner, as i believe the dofd was well before whats being used which i think is the  date it was sent to collection.  i have been pretty good no new apps in a yr, and over all ult is 14%  aaoa is 6 yrs and 1hp on all 3 reports  but all are over 1 yr old

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Apply for cashrewards and you have to decide on the LOC.  I can't tell you what to do but it's nice to it the $15K if you ever need it.  As soon as you have your account set up online go ahead and apply.  Don't wait