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Established Member
Posts: 53
Registered: ‎06-14-2011
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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
Posts: 2,829
Registered: ‎03-14-2012
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Re: Navy Federal Approval!

Congrats!!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
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Epic Contributor
Posts: 24,821
Registered: ‎10-23-2007
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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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Mega Contributor
Posts: 16,731
Registered: ‎08-08-2011
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Re: Navy Federal Approval!

Congrats! Thanks for sharing.

 

 

Established Member
Posts: 53
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
Posts: 24,821
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Established Member
Posts: 53
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
Posts: 24,821
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Established Member
Posts: 53
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
Posts: 673
Registered: ‎06-09-2014
0

Re: Navy Federal Approval!

Congrats on the approvals. Good luck on the CL recon. Welcome to the Navy family.
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