FICO score needed for ANY Navy Fedral Card???????????

[knightlynews]

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?

[Adalen]

I believe I was at a 580 when approved for the cashRewards.. with a $7K CL.  I don't know if time is a factor, but I've been a member since '83.

[LS2982]

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@knightlynews wrote:

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?

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It's been well documented that NFCU approves members with scores below 600. It may not be much but it is definitely YMMV.

[j_casteel]

YMMV...it's really hard to say with NFCU. They could decline you, aprove you instantly for $10k, or make you wait 3-5 days for a $500 card.

[j_casteel]

Approve**

Damn iPhone

[Siopao]

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@knightlynews wrote:

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?

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I think you would have a pretty good chance.  May not be instant, I'm waiting to hear back from them on my app.

Any baddies on your CR?

[CashOnDelivery]

I got 10K with a EQ 634 with an instant decison. I also had 1 Collection from 07' and had a very high util at the time of the application. I felt I had a shot at something because I read the consent and it stated they will counter-offer another product if you are declined. YMMV and good luck!

[bbb3601]

pulse+income=NFCU approval!!   Good Luck i am sure you will be fine.

[knightlynews]

Thanks, been a member since '01.

[knightlynews]

Had 7 baddies, down to 2. I have a 5 mo old Cap1 secured (credit ut 30%), never late. I was going to apply for the secured, but I think after all the positive responses I will try for the unsecured. Maybe I should get one more month (May) of the Cap1 reporting and try to get my uti down to 10%. My ultimate goal is approval for a car loan in mid June through Navy Fed, so I was thinking the card would look good as far as establishing a relationship with them!