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Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Navy Fed is the best!!!

My son, just joined the Army (very proud of him). He also joined Navy Fed and that allowed me to join. :smileytongue:  I joined last Thursday. Today as I’m on the phone (they called me) with a very nice and helpful service agent setting up phone apps and paperless statements and such. She informed me that my App was approved… She then asked “if I knew the limit?” I did not…  Heck I did not even know I was approved till she told me. Then BAM she said “it is for a $10K sig cash reward card”.. YES a $10k card.. WOW:smileytongue::smileysurprised::smileyvery-happy:

 

Started checking Myfico 12/12..We had to move (landlord sold home) and a rental agent suggested it since we had filled BK 8/11. I was very surprised to see I was at 642!! We got a new home (rental) so all went well there..  After reading what seemed like 100’s and 100's of postings on how to rebuild. I took the plunge Jan-2013 and app for the first time in 4-5yrs (?)..  Well I got a Cap1 (1k), Creditone ($300), First Premier ($300) and lastly a Discover ($300). I believe most everyone can get these cards didn’t care it was a start..

 

Good buy FP and Creditone.. Possibly the Discover since it is with Continental Finance.. I will keep my Cap1 they were the first new card since hitting bottom.

 

Should I keep Discover so I have three lines?

 

FYI…

 

They (Navy Fed) can transfer money now over the phone for your initial start up deposit ..  Just started today and I was one the first, so I was told..

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Frequent Contributor
Posts: 328
Registered: ‎01-26-2012
0

Re: Navy Fed is the best!!!

no!! app for a second navy card!!!

 

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: Navy Fed is the best!!!

congratulations on the approved card and sweet limit.Your son sounds like a good young man.Good parents make good kids!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Navy Fed is the best!!!

Not sure that is a good idea??? Score was 642 12/12- hit 654 and now shows 626.. To many Apps (7-9) and a car loan only 2 inquires from that Chase Auto kicked in at 3.5%.. Also they denied my Flagship request originally, that is how I got the sig rewards instead.. Thought I would get maybe a $1k card not the $10K they gave.. Need score to go back up soon i hope..

 

swiss

..


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Navy Fed is the best!!!

Not sure all my cards are posting to my reports yet only see the FP card..

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Community Leader
Valued Contributor
Posts: 2,407
Registered: ‎11-29-2012
0

Re: Navy Fed is the best!!!

You cannot possibly shred that Continental Finance card fast enough.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Navy Fed is the best!!!

That bad? I thought about keeping it then going to Discover in 6-8mo (YR?) and app for the Discoverit card.

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Community Leader
Valued Contributor
Posts: 2,407
Registered: ‎11-29-2012
0

Re: Navy Fed is the best!!!

[ Edited ]

its over $200/year just to have the card and even if you don't use it you have to make a payment every month because they charge a maintenance fee of $10/month or something like that.  I just came out of bk myself, so I took a look at it and ran away screaming.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Navy Fed is the best!!!

[ Edited ]

Thank you!! MH

 

Swiss

 


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Navy Fed is the best!!!

If you keep it after the first yr.. First YR $75 no monthly fees and it gave me a trade line. By Jan next yr (Dec really) I need to cancel or app the real Discover card..

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
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