topic Re: AMAZON VISA, NFCU, CITI in Credit Card Approvals

AMAZON VISA, NFCU, CITI

Anonymous — Tue, 14 Mar 2017 16:51:29 GMT

I applied for Chase Amazon on 3/11/17, got the 30 day message, auto line said 2 weeks...i called. Approved $2500
Went thru the Synchrony blue envelope cap in July/Aug. They closed all of my accounts, even after I sent everything in..i definatly has too much exposure . I reapplied with Sam's club over the weekend, approved $737... MY previous CL was 8k. But that's ok, I'll get that back eventually.
NFCU .. cc opened 12/13/16, I hit the max luv button this morning.. went to review....now what? I waited my 90 days! Do I wait 6 months?
Applied citi DC on 3/7/17 because I got the pre qualified mailer. Got the need more info msg, wait 1 week. Today I got a text, email and call. I called back...denied. should I recon? I have never done that.
TU 715, EX 711

Re: AMAZON VISA, NFCU, CITI

Anonymous — Tue, 14 Mar 2017 17:03:30 GMT

In regards to NFCU - they do review and often come back with an approval - just wait it out.

Citi - I dont have much experience with them - I have low CLs with them - guess they dont like my profile .

Re: AMAZON VISA, NFCU, CITI

kidink1911 — Tue, 14 Mar 2017 18:50:35 GMT

Congratulations!!

Re: AMAZON VISA, NFCU, CITI

Anonymous — Tue, 14 Mar 2017 19:05:43 GMT

Thank you.
NFCU sent me a msg, asking for 2 paystubs.

Re: AMAZON VISA, NFCU, CITI

Aduke1122 — Tue, 14 Mar 2017 19:33:04 GMT

It has been seem lately that Navy is adopting a new procedure with CLI , only every 6mths , there has been lots of discussion about it lately on the big threadfor navy Fed CLI

Re: AMAZON VISA, NFCU, CITI

Anonymous — Tue, 14 Mar 2017 21:06:31 GMT

I was approved for my second NFCU card (cash rewards)on 12/6/16 and waited till after the AR and 3 statements. I applied on 3/4/16 and it went to review. I called and was told it was denied and to try back when the card is 6 months old. It looks like the 90 days thing may become a thing of the past. Atleast it was a sp denial. I checked all my reports and no hp from them.
I received the letter yesterday citing the reason for denial was : account too new.

Re: AMAZON VISA, NFCU, CITI

EmmaGolden — Tue, 14 Mar 2017 22:01:22 GMT

@Anonymous wrote:
I was approved for my second NFCU card (cash rewards)on 12/6/16 and waited till after the AR and 3 statements. I applied on 3/4/16 and it went to review. I called and was told it was denied and to try back when the card is 6 months old. It looks like the 90 days thing may become a thing of the past. Atleast it was a sp denial. I checked all my reports and no hp from them.
I received the letter yesterday citing the reason for denial was : account too new.

Count your days, If I'm estimating correctly you hit the button too soon. Still need the 91 days.too even if you had 3 statements. I count roughly 88 days from 12/6/16 to 3/4/17 (assuming you meant 2017)

Re: AMAZON VISA, NFCU, CITI

Anonymous — Tue, 14 Mar 2017 22:21:14 GMT

I have a HP on TU for today from NFCU/VISA...i sent in my paystubs. If I have to wait 6 months, I don't mind. CL is $5500 0% Util.

Re: AMAZON VISA, NFCU, CITI

Anonymous — Wed, 15 Mar 2017 20:27:19 GMT

Holy moly!!! I sent in my paystubs to NFCU last night and today I went from 5500 to 18,000!!!
So happy!

Re: AMAZON VISA, NFCU, CITI

Aduke1122 — Wed, 15 Mar 2017 21:33:21 GMT

Nice congrats did they specifically ask for them

Re: AMAZON VISA, NFCU, CITI

Anonymous — Wed, 15 Mar 2017 21:38:16 GMT

@EmmaGolden, you were very right.

Re: AMAZON VISA, NFCU, CITI

Anonymous — Wed, 15 Mar 2017 21:55:15 GMT

Yes, they did.
So when I look at my account, it says CL is $18k and available still says $5500
Will this change overnight? I plan on BT my $4k from Barclays arrival plus to give that card breathing room. Will make my utilization go much lower!

Re: AMAZON VISA, NFCU, CITI

Aduke1122 — Thu, 16 Mar 2017 05:40:11 GMT

Yes it usually takes 24 hrs or so from what I have seen for it to update fully