topic Re: 2 AMEXs, Multiple NFCUs & Auto Approvals! in Credit Card Approvals

2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Mon, 23 Nov 2015 02:28:06 GMT

My Navy Federal Membership has proved to be a game changer in the credit world. For the last 2 weeks I've been on a high and Navy's credit line increases started all of this! Current cards already included Chase Freedom: 2,220| Discover IT: 1,750| Capital 1: 9,500. Score were around 650 with no baddies but high utilization. Once all of theses increases and new accounts post I'm sure it will be much higher after the intial new account hit. Inquires are between 10-20+ depending on the credit bureau and AAOA was 1.2 years.

Credit Line Increases

NFCU Cash Rewards: 1,400--> 12,600

NFCU CLOC: 7,000 --> 15,000

Macys: 3,700--> 5,600

Credit Approvals

NFCU Go Rewards: 5,000 @ 14.99 APR

Local Credit Union: 5,000 @ 2.99 for 1 yr then --> 17.15 APR

Amex Everyday Preferred: 5,000 @ 0.00 for 1 yr then --> 16.99 APR

Amex Blue Cash: 1,000 @ 0.00 for 15 months then --> 22.9 APR

Auto Approvals

NFCU: 23K @ 6.29%

Local Credit Union: 23K @ 4.64%

Loan

NFCU: 3,900 @ 18% for 3 years (Not taking them up on this offer)

Denials

Venture 1 - emailed OE for reconsideration, no word though (their denial reason was "Account Credit Limits are too High") EDIT: Just recieved a call from the EO for a manual review, I'll update you guys when I get ther decision.

Chase increase - should have saved that hard pull

Discover It - gardening is hard

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Tue, 17 Nov 2015 16:17:36 GMT

Congrats!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

creditguy — Tue, 17 Nov 2015 16:42:53 GMT

Wow you certainly had a couple of good weeks there, while you've got some awesome CLI's, the best part is, those Navy cards still have lots more room to grow ensuring future highs!!! Congrats on your awesome couple of weeks and good luck on your future growth, Navy is just plain awesome.

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

baller4life — Tue, 17 Nov 2015 16:48:28 GMT

Niiiiccceee!! Navy Fed has been a game changer for many of us. 💗NFCU!!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Tue, 17 Nov 2015 16:51:44 GMT

Congratulations!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Tue, 17 Nov 2015 17:14:16 GMT

Thank you everyone! <3 <3 NFCU! Into the garden I go now haha

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Tue, 17 Nov 2015 17:12:08 GMT

Thanks creditguy! NAVY has been sooo good to me and I cant wait to see what the future holds. The only thing holding me back is my income, so I'm off to the garden as I work on that

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

alextercero — Tue, 17 Nov 2015 17:23:32 GMT

Congrats

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

willwar14 — Tue, 17 Nov 2015 17:23:54 GMT

congrats!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Thu, 19 Nov 2015 14:59:06 GMT

So even after going the OE route with Capital One, I was denied their Venture 1. Too many inquires, new accounts & account credit limits too high were the reasons given. Ah well...waste of 3 pulls but you dont know if you dont try.

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Thu, 19 Nov 2015 16:42:02 GMT

Congrats!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Mon, 23 Nov 2015 00:41:57 GMT

That is so awesome! Congrats! I have yet to get any NFCU credit cards... maybe I'll start next year!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

gingerflower — Mon, 23 Nov 2015 01:26:17 GMT

Op definitely navy is awesome . I enrolled my sister 2 yrs ago for membership. She applied for cash Rw Cc and got flat out denied. Last month I helped her apply and instant approved $18,000 cash rw Cc. She would not believe the limit until she received cc.Navy Fcu is awesome !!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Mon, 23 Nov 2015 01:29:48 GMT

Congrats

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Mon, 23 Nov 2015 02:32:50 GMT

@Anonymous wrote:
That is so awesome! Congrats! I have yet to get any NFCU credit cards... maybe I'll start next year!

Whats the wait for?? I've read a lot on here that they work with inviduals with less than spectacular credit reports.

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Anonymous — Mon, 23 Nov 2015 02:35:39 GMT

@gingerflower wrote:
Op definitely navy is awesome . I enrolled my sister 2 yrs ago for membership. She applied for cash Rw Cc and got flat out denied. Last month I helped her apply and instant approved $18,000 cash rw Cc. She would not believe the limit until she received cc.Navy Fcu is awesome !!

I still cant get to over how lenient and generous this bank is. That, combined with their awesome 24/7 customer service has made them my primary bank now!

Re: 2 AMEXs, Multiple NFCUs & Auto Approvals!

Country_Feller — Mon, 23 Nov 2015 11:35:17 GMT

Awesome, Congratulations!!