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Navy Federal Credit Union Credit Card

Valued Member

Navy Federal Credit Union Credit Card

I applied for a Navy Federal nRewards visa, and i'm wondering if there is a chance I may get it. My scores are currently TU: 656 EQ:619 and EX:708(i'm not sure how correct this experian score is). Does anyone know if there is a baseline credit score you must have to get appoved for a credit card with NFCU? Im trying to rebuild my credit but the credit cards that I have are low CL. Im trying to get a card with a high credit limit to help my rebuilding status.


Starting Score: 546
Current Score: 666
Goal Score: 750


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26 REPLIES
New Member

Re: Navy Federal Credit Union Credit Card

You should get the card,  I applied and got three cards in one week with a score of EQ 652....Navy federal is really good at working with you.

Valued Contributor

Re: Navy Federal Credit Union Credit Card

Unless NFCU has recently changed their policy, they pull ONLY EQ. I have had my Flagship VISA  and nRewards MC now for 3 years and EQ is the only report they have ever pulled.  This goes for theei NAVCHECk as well

 

Good luck.

 

 

 

New York Yankees - 2009 World Series Champions. 27... and counting.....
Frequent Contributor

Re: Navy Federal Credit Union Credit Card

I'd say your chances are good. They usually approve anyone with a score above 600 and give them a ridiculously high credit limit to boot.


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Valued Member

Re: Navy Federal Credit Union Credit Card

Thanks, I hope I get the card. Does anyone know what there credit score was when they were approved for their navy federal credit card? I'm worried that my EQ score of 619 is too low.


Starting Score: 546
Current Score: 666
Goal Score: 750


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Frequent Contributor

Re: Navy Federal Credit Union Credit Card

650 and approved for $7k

 

you might get a lower limit, I'd say $2.5k


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Regular Contributor

Re: Navy Federal Credit Union Credit Card

How lenient are they with older collections or "baddies" in CR?

"It's myFICO and I can cry if I want to!"

Starting Score January 1, 2010: 640
Current Scores Updated Sept. 6, 2011: EQ: 765 / TU: 778 / EX PLUS: 773
Goal Score: 800

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"Working my way up!" Smiley Wink
Regular Contributor

Re: Navy Federal Credit Union Credit Card

3 years ago I had a 618 when I was approved for a $3k nRewards, I had multiple med collections and 2 COs

last week I was approved for a CLI to $5k at 643 EQ

I just app'd for a CashRewards so I can BT my CapOne card, so no word yet.

I think the items they have for the nRewards really aren't all that, so I would see if you could switch over to the CashRewards one

 

 


Starting Score: EQ 433 12/2008
Current Score: EQ 649EX (LO Pull) 683 TU 663
Goal Score: 700 12/11


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All baddies gone! lates have hit the 2 year mark!
Valued Member

Re: Navy Federal Credit Union Credit Card

After my application it says they can take up to 3 to 5 days to review your application, I just applied yesterday so I guess I should know by the end of next week. I did check to see which report they pulled, and they pulled EQ which just so happen to be my lowest,which is a 619.


Starting Score: 546
Current Score: 666
Goal Score: 750


Take the FICO Fitness Challenge
Valued Member

Re: Navy Federal Credit Union Credit Card

Do you have to be a member or militay serviceman to get credit card?

 

Starting Score : 4/10 EQ:673 ...TU 635
Current Score. Fico 6/27/12 EQ 664,EX (Amex) 6/27/12 683..Usaa 694,
Score: 750 ALL