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Established Member
Posts: 58
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 Smiley Happy

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Valued Contributor
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!)

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Epic Contributor
Posts: 28,678
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 Smiley Happy


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.

Mega Contributor
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Navy Federal Approval!

Congrats! Thanks for sharing.

 

 

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Established Member
Posts: 58
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 Smiley Happy


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! Smiley Happy I can prove income of nearly $100,000-- so that should help Smiley Wink

Epic Contributor
Posts: 28,678
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 Smiley Happy


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! Smiley Happy I can prove income of nearly $100,000-- so that should help Smiley Wink


what other credit limits do you have?

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

Established Member
Posts: 58
Registered: ‎06-14-2011
0

Re: Navy Federal Approval!

we have card limits ranging from $500 to $4500

Epic Contributor
Posts: 28,678
Registered: ‎10-23-2007
0

Re: Navy Federal Approval!

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

Established Member
Posts: 58
Registered: ‎06-14-2011
0

Re: Navy Federal Approval!

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

Established Contributor
Posts: 711
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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