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Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Navy FCU ROCKS!!!!! Approved for $17.5K



a0034d wrote:
WTG!:smileyvery-happy:
My step-dad is retired Navy. I'm going to have to check to see if he's a member. Maybe I can join if he is!





Do it! A great CU and great cards. I'd apply but have no one in the Navy, so I'm ineligible
"Never ever, ever be late. Never" (FUTR)
Frequent Contributor
Posts: 411
Registered: ‎04-18-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

checked cl status again tonight and behold! Congratulation, you have been approved for 15k and your apr is 11%. i almost fainted. before this my highest cl was 1.5k with hooters. I still cant believe that 5 mos ago navyfed could only approve me for 1k with 14% apr and now they gave me 15k. Still waiting on cli on first card. These are my cc from oldest to newest:
 
orchard $300 (opened may07)
navyfed $1000(nov07)
Hooters $1500(jan08)
navyfed $15000(mar08)
Orchard has a $108 af billed monthly @ $9.00. This has served its time and its time to never see again in my wallet. i will close immediately. next goal is to get usaa mc and usaa amex and i am done. Miraculously, my eq score did not change at all after the pull, still 661 per sw.
 
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Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

Congrats, nathan! That's fantastic--you need to plot those increasing CL's out on a graph. That would be quite a curve!

Just be aware that your EX score could still take a hit when the actual account posts, and your history is re-aged. The new account itself usually has more impact than the inq. But since your history is pretty new, I doubt that you'll feel much hurt, and your scores will probably already be increasing after the second month.

Cripes, I'm an Army brat, but I'm starting to get a bit envious of the Navy... :smileysurprised:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 510
Registered: ‎04-20-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

just recieved JFCU 7.5k card wooooo:smileyvery-happy:
 
one question how soon do they report to the CRA?
 
hopefully they dont take as long to report as JFCU...i just charged $20 today 03/25/08... maybe they will report at end of month
 
thanks
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

Super congrats mymy! What a great opening cl! :smileyhappy:
"Never ever, ever be late. Never" (FUTR)
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

I just talked my dad into joining so I could become eligible. I hope they hook me up like they do with the rest of you guys.

I'm in the market for a LOC.
Here we go again...
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

Congrats-
 
I would say you get a FICO boost of 20 points-

nathan wrote:
checked cl status again tonight and behold! Congratulation, you have been approved for 15k and your apr is 11%. i almost fainted. before this my highest cl was 1.5k with hooters. I still cant believe that 5 mos ago navyfed could only approve me for 1k with 14% apr and now they gave me 15k. Still waiting on cli on first card. These are my cc from oldest to newest:
 
orchard $300 (opened may07)
navyfed $1000(nov07)
Hooters $1500(jan08)
navyfed $15000(mar08)
Orchard has a $108 af billed monthly @ $9.00. This has served its time and its time to never see again in my wallet. i will close immediately. next goal is to get usaa mc and usaa amex and i am done. Miraculously, my eq score did not change at all after the pull, still 661 per sw.
 



Frequent Contributor
Posts: 411
Registered: ‎04-18-2007
0

Re: Navy FCU ROCKS!!!!! Approved for $17.5K

When i got my first card, they reported about 3 wks later to all cra.
Frequent Contributor
Posts: 411
Registered: ‎04-18-2007
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Re: Navy FCU ROCKS!!!!! Approved for $17.5K

Cli approved for 5K. Asked for 5k and got it. If I knew they would approve for 15k, for the other card i would have asked for more but i will just wait another 6 mos and try again. This week has been my best week in terms of credit. 20k in 3days. I give all credit to every body in this forum who thought me how credit works. Thanks for all your advice. Btw got sw today, i lost only 2 points from inq. Eq went from 661 to 659. 700 club is not too far. I will post results in whogavemecredit to help others decide. What a weekInsert Smileys
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Navy FCU ROCKS!!!!! Approved for $17.5K

I hate waiting!

My membership went through and I applied for their mastercard and a LOC and got the 24 hour message for both.

They said they pull EQ and I have a 678 with no baddies on EQ. I was hoping it would be good enough.
Here we go again...

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