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@starry1 wrote:Well scupra, did you pull the trigger?
I did, I applied for the cashRewards card on friday and recieved a text message this morning, "Your credit card has been approved! Thanks for choosing Navy Federal, expect your card in 7-10 days."
Yesterday I got a credit karma alert that a new hard inquiry has been listed, so for some odd reason they pulled my TU, I am in AZ if this helps anyone. I didn't really want another HP on my TU report, but for an approval I am ok with it. Only downside is the limit, $500. I was hoping to get at least $1,000 but Im ok with the $500 because I know it will grow with me. I think they looked at my secured card through them ($500 limit) and figured I was doing good and gave me the same limit lol. Happy building everyone!
I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!! Congrats!
@starry1 wrote:I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!! Congrats!
I am only 4 months post BK7, I was expecting a denial and planning to recon and ask for a low starting limit at the least.. Them pulling TU and not EQ was very surprising to me though!
That tells me you probably could have gotten it even before the secured card. When I app after discharge, I will let you know if they ask me to secure it or not.
I'm your neighbor in Colorado, but I hope they pull EQ, my TU has been dinged up quite a bit thanks to getting a car in November.
@starry1 wrote:That tells me you probably could have gotten it even before the secured card. When I app after discharge, I will let you know if they ask me to secure it or not.
I'm your neighbor in Colorado, but I hope they pull EQ, my TU has been dinged up quite a bit thanks to getting a car in November.
I think you might be right. Well I can deal with using it and requesting CLI's, the approval alone is good enough for me! haha, good luck. Im curious to see who they pull for you!
I joined NFCU last week and applied for the cashRewards and was approved for 1k, I was happy but not really satisfied so I decided to apply for the nRewards the next day and got approved again for 1k, I"m like, is that all I can get per card? so crazy me, I decided to apply for the Platinum visa this last Saturday thinking, ok they'll either declined me or give another 1k, more likely denied me, So this morning I checked my e-mail and said that I was approved for 5k. Now I am very satisfied.
Thank you NFCU. I just wished I should have applied for the Platinum first.....lol.
I just wanted to say, thank you everyone for all the helpfull information is this forum.
Thank you!
myFICO : Equifax 663
@Scupra wrote:
@starry1 wrote:I'm surprised they were so stingy with the limit, but YOU GOT IT!!!!! Congrats!
I am only 4 months post BK7, I was expecting a denial and planning to recon and ask for a low starting limit at the least.. Them pulling TU and not EQ was very surprising to me though!
I am 5 months post bk, and they gave me a low limit too. Even though people with lower scores are getting a higher credit limit, I think with bk's, they are playing it safe. It probably will take a little longer for us to see a nice increase, imo.
do u have to be in the navy to be able to get an account with them?
No, you can be in any of the armed service branches or have a close relative that is in the military. My brother is currently in the Navy so I signed up through him, best thing I could have done to help my credit story!