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Established Member
TraumaMomm2
Posts: 52
Registered: ‎06-14-2011
0

Navy Federal Approval!

Approved for the NAVCHECK (didn't give amount-- I asked for the full $15,000). And for the cash back card for $2,000. I was really hoping for a higher limit after seeing some of the ridiculous limits people with much lower scores and tons of baddies. 

 

FICO: 660 (they pulled EQ) I do have a lot of inquiries (we just bought a new house and new car). No lates, one OLD medical collection.

 

I'm still thrilled to be approved :smileyhappy:


In the garden until 4/2015 and then only to refinance the house! I promise!
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Navy Federal Approval!

Congrats!!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

Re: Navy Federal Approval!


TraumaMomm2 wrote:

Approved for the NAVCHECK (didn't give amount-- I asked for the full $15,000). And for the cash back card for $2,000. I was really hoping for a higher limit after seeing some of the ridiculous limits people with much lower scores and tons of baddies. 

 

FICO: 660 (they pulled EQ) I do have a lot of inquiries (we just bought a new house and new car). No lates, one OLD medical collection.

 

I'm still thrilled to be approved :smileyhappy:


send a secure message online saying you are thrilled to start your relationship with Navy Federal but you are a little surprised by the $2k limit and you were really hoping for more.

If you really want to push the decision you could attach 2 paystubs to the message, that about gaurantees a positive recon... if you do have good income and you do prove it, I would put an amount in your recon like $15k or $20k, if you don't provide paystubs, just don't say an amount and ask for the recon in general based on building relationship and making it your go to card with the new 1.5% on all purchases.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Community Leader
Mega Contributor
coldnmn
Posts: 15,818
Registered: ‎08-08-2011
0

Re: Navy Federal Approval!

Congrats! Thanks for sharing.

 

 

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Established Member
TraumaMomm2
Posts: 52
Registered: ‎06-14-2011
0

Re: Navy Federal Approval!

Creditaddict wrote:


TraumaMomm2 wrote:

Approved for the NAVCHECK (didn't give amount-- I asked for the full $15,000). And for the cash back card for $2,000. I was really hoping for a higher limit after seeing some of the ridiculous limits people with much lower scores and tons of baddies. 

 

FICO: 660 (they pulled EQ) I do have a lot of inquiries (we just bought a new house and new car). No lates, one OLD medical collection.

 

I'm still thrilled to be approved :smileyhappy:


send a secure message online saying you are thrilled to start your relationship with Navy Federal but you are a little surprised by the $2k limit and you were really hoping for more.

If you really want to push the decision you could attach 2 paystubs to the message, that about gaurantees a positive recon... if you do have good income and you do prove it, I would put an amount in your recon like $15k or $20k, if you don't provide paystubs, just don't say an amount and ask for the recon in general based on building relationship and making it your go to card with the new 1.5% on all purchases.



CreditAddict: THANK YOU!! I think I'll do that now! :smileyhappy: I can prove income of nearly $100,000-- so that should help :smileywink:


In the garden until 4/2015 and then only to refinance the house! I promise!
Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

Re: Navy Federal Approval!


TraumaMomm2 wrote:

Creditaddict wrote:


TraumaMomm2 wrote:

Approved for the NAVCHECK (didn't give amount-- I asked for the full $15,000). And for the cash back card for $2,000. I was really hoping for a higher limit after seeing some of the ridiculous limits people with much lower scores and tons of baddies. 

 

FICO: 660 (they pulled EQ) I do have a lot of inquiries (we just bought a new house and new car). No lates, one OLD medical collection.

 

I'm still thrilled to be approved :smileyhappy:


send a secure message online saying you are thrilled to start your relationship with Navy Federal but you are a little surprised by the $2k limit and you were really hoping for more.

If you really want to push the decision you could attach 2 paystubs to the message, that about gaurantees a positive recon... if you do have good income and you do prove it, I would put an amount in your recon like $15k or $20k, if you don't provide paystubs, just don't say an amount and ask for the recon in general based on building relationship and making it your go to card with the new 1.5% on all purchases.



CreditAddict: THANK YOU!! I think I'll do that now! :smileyhappy: I can prove income of nearly $100,000-- so that should help :smileywink:


what other credit limits do you have?

I would probably ask for $25k and see!!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Member
TraumaMomm2
Posts: 52
Registered: ‎06-14-2011
0

Re: Navy Federal Approval!

we have card limits ranging from $500 to $4500


In the garden until 4/2015 and then only to refinance the house! I promise!
Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

Re: Navy Federal Approval!

yeah, will paystubs, shoot for the $25k and see what they come back at :smileyhappy:

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Member
TraumaMomm2
Posts: 52
Registered: ‎06-14-2011
0

Re: Navy Federal Approval!

Message sent!!! Now we wait....


In the garden until 4/2015 and then only to refinance the house! I promise!
Established Contributor
ssondubs
Posts: 539
Registered: ‎06-09-2014
0

Re: Navy Federal Approval!

Congrats on the approvals. Good luck on the CL recon. Welcome to the Navy family.
NFCU Visa Signature cashRewards $14k | NFCU Flagship $14k | NFCU NavChek $10k | Barclay Rewards $1k | BBVA Compass $6k | Chase Freedom $3k | Diners Club $5k | Bank of America $2.5k | Amazon $2.1k | Chevron $1k | Walmart $1.1k |
11/11/2014 - EQ 695 | EXP 715 | TU 732


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