topic Re: Thank you Navy FCU! in Credit Cards

Thank you Navy FCU!

rm3 — Mon, 08 Oct 2012 19:38:52 GMT

I am one happy lady:smileyvery-happy: I woke up to a text message from NFCU saying my UNSECURED n-rewards visa application was approved! I was ready to start the secured option but looks like I won't have to. I only have 2 open revolving accounts with very small limits (Cap1-300 and Orchard/Cap1-300). I've paid on time every month for six months so far and Navy Fed gave me $1000. CL. I want to see if they will consider a small increase to the CL but don't want to seem too greedy. I've read a lot about how generous Navy FCU is and I am trying to rebuild with a current EQ FICO of 579. Do you guys have any advice/tips on how to use this new cc to maximize score and possibly receive auto CLIs from Navy Federal?

Want to treat NFCU good!!!

Re: Thank you Navy FCU!

Shogun — Mon, 08 Oct 2012 19:41:39 GMT

Congrats! I'm jealous, I so want to join them!

Re: Thank you Navy FCU!

CS800 — Mon, 08 Oct 2012 19:42:37 GMT

Congrats on your card, Use it well and they will treat you good.

Re: Thank you Navy FCU!

4us- — Mon, 08 Oct 2012 19:43:08 GMT

No advice, just wanted to say congrats!!! Good luck on your rebuilding!

Re: Thank you Navy FCU!

shakalaka — Mon, 08 Oct 2012 19:58:47 GMT

Congrats, treat them well and they will treat you even better.

Re: Thank you Navy FCU!

MsLadyRover — Mon, 08 Oct 2012 20:16:40 GMT

CONGRATULATIONS!

Re: Thank you Navy FCU!

Way — Mon, 08 Oct 2012 20:19:24 GMT

Grats!

Re: Thank you Navy FCU!

rm3 — Mon, 08 Oct 2012 21:27:54 GMT

Thanks to all for the congrats. Any advice anyone????

Re: Thank you Navy FCU!

Cadillac-XTS — Mon, 08 Oct 2012 21:41:31 GMT

Congrats

Re: Thank you Navy FCU!

beautybrainsbooty — Mon, 08 Oct 2012 23:09:47 GMT

Awww congrats! I wouldn't push it with a CLI just yet. I would be soooo good about paying in full for a few months then hit them with the 'gimme more' button. I just did a post for NFCU love. They are an incredible institution if you can get in. I am both a member of USAA and NFCU. Are there better products? Of course. But nobody takes better care of their members. Nobody. *slap five* ;)

Re: Thank you Navy FCU!

madmann26 — Tue, 09 Oct 2012 00:06:37 GMT

It's worth a shot. Show proof of income and it may happen.

Re: Thank you Navy FCU!

doc101 — Tue, 09 Oct 2012 00:36:55 GMT

Do you have to be in the military to join up?

Re: Thank you Navy FCU!

madmann26 — Tue, 09 Oct 2012 00:40:28 GMT

No doc....if a direct family is already a member, it's super easy. If a family member is former military, them joining first is best and easiest for you.

Re: Thank you Navy FCU!

doc101 — Tue, 09 Oct 2012 00:42:36 GMT

I currently have 2 family members serving in the Air Force and 2 uncles retired from the Army. This might be my cue to join up

Re: Thank you Navy FCU!

beautybrainsbooty — Tue, 09 Oct 2012 01:13:57 GMT

oh if you can get in then do it! be prepared to show documentation of the relationship just in case-but it is completely 100% worth it! best of luck!

Re: Thank you Navy FCU!

DCole3g — Tue, 09 Oct 2012 05:29:56 GMT

Congrats... I applied with them a couple months ago and was denied. My credit scores have since improved and I am considering trying again, especially after your success story.

Re: Thank you Navy FCU!

Dustink — Tue, 09 Oct 2012 06:23:35 GMT

rm3 wrote:
Thanks to all for the congrats. Any advice anyone????

Use your card regularly and PIF every month. After 6 months give them a call for a CLI.

Re: Thank you Navy FCU!

rm3 — Tue, 09 Oct 2012 18:43:52 GMT

Would you suggest PIF before statement cuts or by the due date on the bill?

Re: Thank you Navy FCU!

cobra19 — Tue, 09 Oct 2012 19:43:58 GMT

Use the card - sparingly. Make sure you keep the reporting balance at <$50. In 6 months, you'll get a nice big, fat increase.

Re: Thank you Navy FCU!

rm3 — Fri, 12 Oct 2012 02:05:42 GMT

I took a chance and sent a message to Navy FCU to request a CL increase on my new n-rewards visa and I just received this message:

Navy Federal Response 10/11/2012 : Thank you for your message. We are pleased to inform you that we have approved your increase to $2,000.00. If we can be of any further assistance, please let us know.

I am screaming on the inside and wish i could do a back flip right now! I love this forum and NavyFCU!!! :-)