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GatorGuy
Posts: 351
Registered: ‎06-02-2013
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Navy Federal Flagship Decision

How long did it take for you to get your decision? It told me 3 to 5 business days.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
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Regular Contributor
scarzy
Posts: 230
Registered: ‎04-08-2008
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Re: Navy Federal Flagship Decision

[ Edited ]

It's the norm. It doesn't mean you're denied. It took a day or so for an approval for me with the cashrewards.

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Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
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Re: Navy Federal Flagship Decision

That's normal ops...
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New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
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Re: Navy Federal Flagship Decision

Thanks. Its my first non instant approval so I was just curious. This is my first card through a credit union though.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
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Re: Navy Federal Flagship Decision

It took me a few more days than the 3-5 they said but thats due to my being a brand spankin new member of the credit union at the same time.  I had to send in some documentation. (income stuff)

Once they had that though, it was pretty fast.  Under one day.

 

NFCU is a great CU.  However, know that anytime you even think about an app or a CLI, its going to be a HP NO MATTER WHAT THE REP TELLS YOU. lol

 

Its worth it though. :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
0

Re: Navy Federal Flagship Decision


Pilotdude wrote:

It took me a few more days than the 3-5 they said but thats due to my being a brand spankin new member of the credit union at the same time.  I had to send in some documentation. (income stuff)

Once they had that though, it was pretty fast.  Under one day.

 

NFCU is a great CU.  However, know that anytime you even think about an app or a CLI, its going to be a HP NO MATTER WHAT THE REP TELLS YOU. lol

 

Its worth it though. :smileyhappy:


 

Thanks for the info. I figured on the HP. I am a brand new member so I figure they will be asking me for more info as well.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Valued Member
DaveinSC
Posts: 46
Registered: ‎07-17-2010
0

Re: Navy Federal Flagship Decision

A NFCU customer rep PC'd me from a (NFCU) Platinum card to the (NFCU) Signature Flagship card while I waited at her desk. Came with an interest rate hike from 7.99 to 9.99 APR, and that pesky $49.00 annual fee (1/10 of AMEX Platinum's fee), but it did come with a CLI of 10K.  We'll see what the bennies are like.

EQ: 800 (09/2014)
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Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: Navy Federal Flagship Decision

Another upside is that once you have the docs submitted and have obtained an approval, its much easier in the future. 

 

In a few more months I am going to hit them for a CLI on my Flag and probably a Navcheck account just for giggles. :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Contributor
kilj0y
Posts: 135
Registered: ‎05-25-2013
0

Re: Navy Federal Flagship Decision


Pilotdude wrote:

It took me a few more days than the 3-5 they said but thats due to my being a brand spankin new member of the credit union at the same time.  I had to send in some documentation. (income stuff)

Once they had that though, it was pretty fast.  Under one day.

 

NFCU is a great CU.  However, know that anytime you even think about an app or a CLI, its going to be a HP NO MATTER WHAT THE REP TELLS YOU. lol

 

Its worth it though. :smileyhappy:



Pilotdude wrote:

It took me a few more days than the 3-5 they said but thats due to my being a brand spankin new member of the credit union at the same time.  I had to send in some documentation. (income stuff)

Once they had that though, it was pretty fast.  Under one day.

 

NFCU is a great CU.  However, know that anytime you even think about an app or a CLI, its going to be a HP NO MATTER WHAT THE REP TELLS YOU. lol

 

Its worth it though. :smileyhappy:


Note that only the first CLI requested usually results in a HP, then they basically tell the computer system that they will approve you up to a certain limit and if you ask for another CLI under or equal to that limit it will be an instant CLI with a SP. But if you request an amount over that limit it will counter with what their computer limit says or they will ask if you want your requested limit for a further review which will turn into a HP unless you accept the counter offer which will be a SP. 

 

Check out the master NFCU CLI thread.




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