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Congrtulations on your approval! Things will only get better now.

The card did its job. It was there when you needed it and didnt have other options. Now you have graduated to better cards. Congratulations!

No difference in approvals requirements between Cash Rewards or NRewards. Only a case of whether you want cash back or merchandise, gift cards, etc. When I applied NFCU didnt offer the Cash Rewards so I opted for the NRewards. If I were to do it now, I would ask for the Cash Rewards. But both cards are good, go for whatever one you want and good luck.

You got the parental reason from Cap1, "Because I said so, that's why!"

Having no credit history showing up on your credit report is looked upon as being almost as bad as having a bad credit history. The difference is that it can be easier to fix. Do you have a local credit union that has a good reputation for customer service? You might want to go in and talk to them about your goals of building a good credit history. You MAY have to go with a secured card at first. Or try the Amazon card, they want customers and may be an easier approval. But you likely wont get a $4,000 limit to start with. Or maybe some store cards but dont go overboard on applying for store cards.

Most often the overpayment is applied to your balance for the following month. If it remains on your account for a month or more they may send you a check for the amount overpaid.

What surprises me is that Birmingham, Alabama made the list.

Congratulations on your approval with NFCU. I definitely think they are a better place to be. Keep your account in good standing and they will be with you for life. No f/r nonsense or CLD's for no reason.

They sometimes pull two, sometimes three. I have a plain platinum card. I have thought at times of applying for another card from them but havent done so because of the multiple pulls they do. CAP1 has been good to me too. Gave me a card when no one else would and they are my oldest card. But there is no reason for the multiple pulls when no one else routinely does it.

Are you receiving a lot of pre-approval offers in the mail from Discover?

I think you would be the best person to answer. Which credit union has offices most convenient to you? Which one offers the financial services you are looking for? Are you eligible to join? Stop by and talk to a representative.

Congratulations! Take care of your credit and be good to NFCU and you will have that card for life. NFCU will be good to you too. Well done. A great CL.

I would do it. You need a credit card and NFCU's is very good. NFCU places more importance on income and your debt-to-income ratio than only your credit score. I think you would be good.

You have earned the right to brag a bit. Well done! Enjoy your new cards and welcome to the world of good credit.

How much is your credit line on that card? You need to look at whether having that card is worth the AF and if you have any other options to obtain other cards.