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I am the newest girl in navy blue!
Totally giddy. I read so many great things about NFCU here.
Just got off the phone with the recruiter's office which is open 24/7.
My mom is a DoD civilian at Vandenburg.
How long to wait until I should apply for a CC or CLOC? And which one(s)?
Any suggestions welcomed. Thanks in advance!
Hi, everyone. I have gone through the master secured cards thread here, and I am thinking that one or two of the three would be my best options.
SDFCU (I am a member) Wells Fargo US Bank
What I have questions about are:
In the thread, it seems like it states that SDFCU is chex sensitive, but I am missing if that is for membership only or for secured app too...it looks like they don't check credit for secured card, but do they run you through chex again? I think I got into chex after I became a member with SDFCU. Am I safe applying for SDFCU Secured Card if I am in Chex but already a SDFCU member? Well Fargo - pulls Experian, but I couldn't see anywhere if it is Chex sensitive or not? And it MAY graduate someday? US Bank - same as Wells Fargo question about Chex? Pro - this one actually should graduate after 12 months....I am leaning in this direction if I can get in ***Capital One doesn't like me right now because of judgement I was never served for and am trying to get vacated, so they are not an option...I know we would all tend to suggest them ;-)
Thanks in advance for your advice. I am trying to clean up my chex report, I just got it in the mail and it will take awhile. I would like to get a secured card on my reports asap in the meanwhile.
I'm wondering if there is a limit to the amount I should put in a secured card that has the potential to graduate. I could put the maximum of $25k in, however I'm worried if I have too high of a limit whether that would stop it from graduating. In about a year's time I expect I'll have a credit score of 660-700. But this would be my only high limit card, as my other card would be a stupid Capital One of $300.
I'm wondering if it makes more sense to keep my limit closer to $3-5k and hope that makes more sense for them to graduate. My reasoning is it's one thing to unsecure $3k and a totally different thing to unsecure $25k. It's with my local credit union, so not sure if it makes a difference how much money I have in different accounts. What is the most that people have seen graduate? I would guess they couldn't do a partial graduation, so they have to bite off the whole chunk or none of it.