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OmniCamaro

NFCU secured to unsecured NOT a guarantee!

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I opened mine in July 2016 so hoping around June mine unsecures.

I just paid it to zero and have no plans of using the card other than Costco.

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I opened mine in July 2016 so hoping around June mine unsecures.

I just paid it to zero and have no plans of using the card other than Costco.

 

After the 13th statement has been the typical experience (for those who haven't done things like take on a bunch of new debt and carry an ongoing balance). When the card graduates, it will keep your current CL. If you think you're a likely candidate for graduation (i.e. you've done nothing to worsen your credit profile since getting the card), consider increasing your security deposit in May -- effectively giving yourself a CLI for your future unsecured account.

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Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

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Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

Better to be patient and wait IMO, even if the OP would get approved now.

 

I'd rather have max exposure on 1 card instead of spreading it out over 2.

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OP stated is a secured card, no reason to wait in my own opinion unless scores are low.

 

Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

Better to be patient and wait IMO, even if the OP would get approved now.

I'd rather have max exposure on 1 card instead of spreading it out over 2.

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OP stated is a secured card, no reason to wait in my own opinion unless scores are low.

 

Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

Better to be patient and wait IMO, even if the OP would get approved now.

I'd rather have max exposure on 1 card instead of spreading it out over 2.

Right, but once it unsecures he will have 2 cards and be splitting exposure.

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True, but there are many with profiles that could support big exposure CL's, specially with NFCU.

 

OP stated is a secured card, no reason to wait in my own opinion unless scores are low.

 

Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

Better to be patient and wait IMO, even if the OP would get approved now.

I'd rather have max exposure on 1 card instead of spreading it out over 2.

Right, but once it unsecures he will have 2 cards and be splitting exposure.

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True, but there are many with profiles that could support big exposure CL's, specially with NFCU.

 

OP stated is a secured card, no reason to wait in my own opinion unless scores are low.

 

Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.

Better to be patient and wait IMO, even if the OP would get approved now.

I'd rather have max exposure on 1 card instead of spreading it out over 2.

Right, but once it unsecures he will have 2 cards and be splitting exposure.

Whatever they will give you on 2 cards they would give you on 1.

 

Better to keep the card with the history and be patient.

 

The higher limit will be worth it.

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