Well finally some good news. I received a brand new NFCU CC in the mail Thursday. I have gotten one of their secured CC last March. From what I had seen it is not cut and dry whether a card will graduate.
I do have a savings account, a checking account, and I direct deposit my retirement check. I have paid off a short-term secured loan with them and am paying off another one. I was denied a CLOC last December. That made me wonder if they really liked me. It appears they do.
The initial amount was $1000 so I request a raise to $5000. They immediately granted it.
So I am one happy camper.