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Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

I have been a member of Navy federal for a year! Going in I knew I didnt have a high enough score to get anything well today I got an alert and my score is 682EQ... so U knw I want the love....... I called in an requested the Rep said which card do u want? I said IDK  I havent applied for anything in a year! I got 26pts last month just for appl for Cap One anywhoo she said ok where sending yr app for approval? What does this mean? I called back 2hrs later and they said status pending my husband applied they flat out denied him right theN? whats my odds? I have 2 baddies from 05 thts about it one is 40 bucks med bill and a 500 collection also from 2005  
~EveryThing Is Within REach~FICO FORUM roCKs.....
Frequent Contributor
caliborne
Posts: 263
Registered: ‎03-27-2008
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

IT took them a week and we had to send in income verification but we got a cc with a 25k credit line about a week after applying (online though)

MY dh's scores are between 715-750

Mine are between 685-709 (I think they're in my siggy) (our baddies are all over 4 years old and are in the 30 day late category)


Plenty of people around here with a score silmiar to or lower that yours have been approved

Good luck :smileyhappy:
FICO 6/2/08 , EX 754, 5/2 TU 720 EQ 722
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

682? Bet they give you at least 15K. They're really busy. Expect to wait a couple of days. Good luck.
Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

Thank u!!! But I dont have any credit cards??? this would be my first limit LOL... But whatever it is I will take it ! and Im so much Wiser with my credit now! I wont risk my Good scores! Ive come from the 500 's.........   
~EveryThing Is Within REach~FICO FORUM roCKs.....
Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

WOW thts a Big Jump lol the highest I ever had was 1,000 lol but this is my first time reaching 682!!!
~EveryThing Is Within REach~FICO FORUM roCKs.....
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

When I got approved for a Navy Federal Visa and Mastercard both for 20K each all I had was a maxed out Capone 5K card. I didn't even ask for any amount that's what they gave me. Be positive. :smileyhappy:
Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

Ok Thank U!!! I will post results they said it takes up to 24 hrs or two to three days ! Im so excited Im at loss for sleep ? LOL I love Navy Federal theyve treated me so well all I have is Chk/Savings/Certificate.... 
~EveryThing Is Within REach~FICO FORUM roCKs.....
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

Same EQ of 682 FWIW. You can call and bother them anytime. Middle of the night too. :smileyhappy:
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

I applied with a 656 EQ score and was approved for $15,000 on a Mastercard and $10,000 on a line of credit. You shouldn't have any problems.
Here we go again...
Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

Re: OKay!!! I got the Nerve to apply For Navy Federal Card!!!!

Ok Thank U!!! Ive spent Hourssssssssssssssssss trying to learn how to IMPROVE my score so the Reward" will be well worth the long hours of being A FICO ADDICT!!!!lol 
~EveryThing Is Within REach~FICO FORUM roCKs.....

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