You Guys Are Not Going To Believe THIS!

[danaf]

After much debating, I decide to give NFCU a call today to see if I could get a credit card. I'm a vet and have been with them forever. They are who I first built my credit up with so I thought I might have a small chance at a card with a low limit.

I started out by asking the woman if they blanket dissapprove people who have bk'd because if they do, I didn't want the hard pull. They don't so I went ahead and applied.

And unbelievably I have been approved for a regular credit card, 14% interest, with a whopping credit limit of 5k (a rewards card with no annual fee). Holy cow. Way more than I need but great for rebuilding. I still can't believe it and it could be that they change their mind and I'll get that denial letter some days from now. But I logged onto my account and my approval is right there.

[BROKENN]

Wow, look at you! and days after discharge, well done!

Be good with that card!

[danaf]

I just wanted to update back. It's true. I got my card today. How freaking insane.

But good. Now I can opt out of all these nasty cc offers.

Also, I called Macy's and they sent me a new card in my name. So that really did survive bk (along with a few other store cards). This is good - helps to show history on the cr and no new hard pulls (except for the NFCU cc).

[PoorGrammyinBK7]

This sounds great!

What is NFCU - is it Navy Federal Credit Union?

Would they take an ex-Marine?

[danaf]

Yes grammy - Navy Federal.

And yes, I think they would take an ex marine or any other veteran for that matter. :-) Good luck!

[Mi Bankruptcy]

Nice to know for future reference. I want to buy a new home in a couple of years. So, I have not completed BK and I am looking ahead. I never been late or missed a house or Car(s) payment so hopefully it will work for me.

[BigJohn]

Can I ask what your credit score is?

[danaf]

high 500s-666 (tu). Not sure which CR they pull.