I've been with Navy Federal since 2014. I really dug my heels into researching my credit after getting denied for an auto loan with them in August of last year. I had just gotten a little CapOne card and I was feeling myself a little to much. But I had a ton of terrible things on my report. So I got into a terrible high interest loan with another creditor.
Over the last year I've gotten two other CapOnes, a ton of clean ups on my credit, a second car (CapOne Jul 17 much better interest, mom pays for and drives the high interest one from Aug16) and an unexpected AMEX. Seconds after getting the AMEX, I came on here to leave a review and saw all the reviews about NFCU cards. I was nervous after my rejection last year but I thought, "What the hey!" The worst they can do is say no and I am already on a roll with one inquiry on EX so one on TU won't kill me. Sure enough I was approved...for $15,000!!! I'm sure I went into some kind of shock especially since I had just gotten a Venture @$5,000 a few months ago with a total CL of $1600.
My new Cashrewards card will be here tomorrow. My statement date was the 22nd in line with my checking and savings, but I moved it to the 1st since the $12 rush fee would reflect by then (if not I'll buy a pack of gum and pay it off). This way I will hopefully have a statement by November 4th as the rep advised.
My next card will hopefully be the Flagship since it is rumored to max out at an $80,000 CL. I'll probably shoot for that after 3 or 4 statements around the same time I'll hit the love button on my CashRewards card. In the meantime I'm biting my nails about refinancing my two auto loans and getting a CLOC. I hope to be done with all this by early 2018 so I can garden until late I am ready to apply for that NFCU mortgage in late 2019/early2020.
