Jump to content

Sign in to follow this  

How to Add Add'L CCs With Only 1 Secured NFCU Card

Recommended Posts

Hello CBers,


I need guidance to build up my accessible credit following BK discharged 2/2011. I opened a secured 1K CC w/ NFCU 4/2014. After all other accounts were included in BK, and Chase deleted the mortgage I had with them as a result of the BK, my CR now shows a Charge off w/ Scana in 2012 and another $95 collection that's going to be paid next week. Once I pay these and request deletions. How do I proceed with NFCU to increase my credit. Utilization at limit, but will pay it down before it reports on 22nd of this month. Since it been over 1 yr, Can I ask NFCU to convert to Unsecure 1K and request increase in addition to applying for personal LOC at same time?


I also have 2 Biz accts with NFCU. I am trying to maximize my credit with NFCU before going to outside creditors. How should I proceed from here?

I would like travel rewards cards for an upcoming biz venture that will require quite a bit of travel to get inventory. Please send me off in the right direction.

Share this post

Link to post
Share on other sites

Since you are a member of NFCU, you can really leverage their generosity with CLs to help with future approvals.


I would recommend calling to see if they will unsecure your CC, and see how large of a CL they will give you. Apply for the CLOC and ask for $15K as well.


Once those have both reported to your credit reports, that is the time to apply for other cards.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information