How many months/years post BK7 does Navy Federal require?

[Epic]

I may have found a way into NFCU, but I am curious how long after BK7 does Navy Federal require before they will extend an unsecured credit card?

[justbroke]

I was able to obtain a VISA Platinum (nRewards) less than 1 year after discharge in a Chapter 7. I had pristine credit at the time and my FICO score was around 680. (By pristine, I meant that since I filed in 2008, I had no additional bad reporting or collections.) I was able to get the VISA Signature this year (almost 2 years from my Chapter 7 discharge). You can join NFCU probably after 6 months, but I would suggest not applying for credit products at that time. Then, just apply about 1 year post BK discharge and make sure your score is 640+ and you should be able to get a generous credit line, if you have the income to back it.

[malf1204]

I got a secured card right after discharge and in 1 year it converted to an unsecured, two months after that they gave me a CLI to 5K and then to 7.5K about 1 month after that.

[Nicar]

I was ch7 discharged 3 weeks ago, and applied for a cash rewards card, and a line of credit 4 days.
I was approved for both, and couldn't be happier. My fico was around 602. If I were you, try. If denied,
go with the secured card with them. Good luck!

[malf1204]

There is no waiting period to join after BK. The secured card is no-fee and earns rewards as well. The money used to secure it earns interest too. I have found that once I passed the 1 year mark they have been very generous.

[Nicar]

I was ch7 discharged 3 weeks ago, and applied for a cash rewards card, and a line of credit 4 days.
I was approved for both, and couldn't be happier. My fico was around 602. If I were you, try. If denied,
go with the secured card with them. Good luck!

I meant to say line of credit 4 days ago. How can you edit post?!?!

[Epic]

I was ch7 discharged 3 weeks ago, and applied for a cash rewards card, and a line of credit 4 days.
I was approved for both, and couldn't be happier. My fico was around 602. If I were you, try. If denied,
go with the secured card with them. Good luck!

Good news to hear! What limits were you given?

[Nicar]

Good news to hear! What limits were you given?

I was given one thousand each. At least I got my foot in the door.
Yes, it's true about NFCU's generous credit limits, but my time will come.
Getting approved after 3 weeks being discharged, that's unreal!!!

[LadyInTheRed]

I meant to say line of credit 4 days ago. How can you edit post?!?!

You can only edit your post for a limited amount of time. If that time hasn't expired, there will be an edit button at the bottom of your post to the left of the "reply" button.