NFCU building credit

[castor4072]

So, quick question,  get a  secured CC with NFCU and then get upgraded to unsecured CC? Does anyone know if they upgrade CC? Or is that a whole new app after six months or so? JW

[GZG]

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@castor4072 wrote:

So, quick question,  get a  secured CC with NFCU and then get upgraded to unsecured CC? Does anyone know if they upgrade CC? Or is that a whole new app after six months or so? JW

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the nRewards is eligible for a 3 month CLI of ~$400 and can be graduated to a $2000 cashRewards at 6 months or later. 

it's not a whole new app, the card itself becomes a cashRewards, new account number but the same account/tradeline etc.

you could product change to the go rewards or more rewards once you graduate, no 12 month restriction there.

[butterpecan]

Mine is 11 months old still have not graduated. It went from $200 to $500 at the 4 month mark. 

[Lurker22]

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@GZG wrote:

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@castor4072 wrote:

So, quick question,  get a  secured CC with NFCU and then get upgraded to unsecured CC? Does anyone know if they upgrade CC? Or is that a whole new app after six months or so? JW

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the nRewards is eligible for a 3 month CLI of ~$400 and can be graduated to a $2000 cashRewards at 6 months or later. 

it's not a whole new app, the card itself becomes a cashRewards, new account number but the same account/tradeline etc.

you could product change to the go rewards or more rewards once you graduate, no 12 month restriction there.

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exactly what occurred with me, then after my 13 discharged and 6 months since it graduated I used the app (softpull via the app) for a CLI and it bumped to $5K and I PC'd to Flagship 

[CardDon29]

Mine is 9 months old. My Equifax score went this month so hopefully it graduate next month.

[butterpecan]

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@CardDon29 wrote:

Mine is 9 months old. My Equifax score went this month so hopefully it graduate next month.

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@CardDon29  I am at 11 months and my score went up too so I am right here hoping and rooting for us both then! �

[butterpecan]

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@CardDon29 wrote:

Mine is 9 months old. My Equifax score went this month so hopefully it graduate next month.

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I am still trying to figure out when they do the graduation from secured if it's at statement cut or just randomly. I see the account review softpull on my Equifax every month around the 29th. My statement cuts on the 23rd.

[CardDon29]

Looks like my last pull was 4/2/24.

[Lurker22]

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@butterpecan wrote:

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@CardDon29 wrote:

Mine is 9 months old. My Equifax score went this month so hopefully it graduate next month.

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I am still trying to figure out when they do the graduation from secured if it's at statement cut or just randomly. I see the account review softpull on my Equifax every month around the 29th. My statement cuts on the 23rd.

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Statement Date or Day after if I recall correctly 

[butterpecan]

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@Lurker22 wrote:

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Statement Date or Day after if I recall correctly 

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@Lurker22 Thanks, I look forward to that.