topic Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR in Credit Card Approvals

Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 03:40:40 GMT

I opened checking and savings accounts with Navy FCU six weeks ago but they had been idle. I just thought having membership established might improve my approval odds with cards. I had even considered moving some money and short-term investments through them like opening CDs but decided it probably wasn’t necessary.

I called to use the “new” prequalification tool where you can have CSRs check for you over the phone. Apparently they were having some “problems” with it and the first rep couldn’t even access it. She passed me to another one who took my info but then showed I was *NOT* prequalified for any cards. That kinda spooked me but she said it was probably because my membership was so new. I decided to take a chance and apply through my Navy FCU login for “New Accounts”.

I already have Cash Back cards that pay as well as Navy’s. But one thing I was missing was a super-low APR card to keep in my wallet for big purchases and if I were to ever need to roll a large balance. The APR on their Platinum card is hard to beat almost anywhere. I have the USAA “Rate Advantage Card” but I’m not at their lowest APR and Navy beats them anyway. I decided I would go for the Platinum even though it doesn’t offer a big SUB or rewards. (I’ll get those on a second card later.)

It went pending for almost two hours before I was notified by text message and email that it was approved!

Single Pull on TU, which brings my TU count up to 2 HPs counting my Apple card in August.

Credit limit $10K, which I suppose is not bad for a first Navy FCU card.

And they gave me their lowest APR at 7.74%. Sweet deal!

Glad to be in the Navy FCU Family finally!

And this completed my military double-dip today as I also got a PenFed Power Cash card!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

AllZero — Tue, 19 Nov 2019 03:41:13 GMT

Congratulations on your approval!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

simplynoir — Tue, 19 Nov 2019 03:44:24 GMT

Congrats on your approvals today

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

AverageJoesCredit — Tue, 19 Nov 2019 03:46:14 GMT

Woo hoo, you DISCOVERED a double dip

Great card and apr. Dont worry, it will grow . They just want to get to know you. 2nd card should be a Monster👹

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

M_Smart007 — Tue, 19 Nov 2019 04:07:27 GMT

Congrats!!!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Anonymous — Tue, 19 Nov 2019 04:18:48 GMT

On a roll, congrats!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

NoMoreE46 — Tue, 19 Nov 2019 04:24:48 GMT

Congratulations. That rate is darn good.

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

KLEXH25 — Tue, 19 Nov 2019 04:42:42 GMT

That is a sweet APR! Congratulations!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

GApeachy — Tue, 19 Nov 2019 04:48:15 GMT

delete...I sneezed

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

GApeachy — Tue, 19 Nov 2019 04:47:26 GMT

@Aim_High wrote:
7.74%.

Are ya sure? Do you wear glasses? Did you have on your glasses? Just kidding; congratulations....probably more for that killer apr than the sl that's awesome

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

ocheosa — Tue, 19 Nov 2019 04:54:18 GMT

Congratulations !! Red Alert ! You Killed It !!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

19eighty5 — Tue, 19 Nov 2019 05:12:45 GMT

Congratulations on your approval!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 17:34:59 GMT

@AllZero

Congratulations on your approval!

@simplynoir

Congrats on your approvals today

@M_Smart007

Congrats!!!

@JAG73

On a roll, congrats!

Thanks guys!

@JAG73 , I love the GIF! ROFLMAO

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 17:38:32 GMT

@AverageJoesCredit

Great card and apr. Dont worry, it will grow . They just want to get to know you. 2nd card should be a Monster👹

Thanks, @AJC! Yes, I've learned that "relationships" do mean a lot to most lenders. I'm planning to push some money through my new cards and banking accounts to build more history and trust with both PenFed and Navy FCU in the next few months. Set the stage for some huge growth in the couple of years. They're both lenders I plan to keep around for the long-haul.

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 17:57:12 GMT

@Nosoule46

Congratulations. That rate is darn good.

@KLEXH25

That is a sweet APR! Congratulations!

Thanks, guys!

Yes, I shopped around extensively last year at banks and credit unions looking for the best permanent rates. Of the large lenders, nobody beat Navy FCU!! There were some smaller credit unions that offered lower rates but most were regional and geofenced, or else I had concerns about the customer service I could expect on the account. I was also concerned about teaser rates that wouldn't last. Navy seemed like the best of both worlds with a great rate yet large enough and stable enough to not make me question their reputation or service or their long-term rates.

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 17:58:09 GMT

@GApeachy wrote:
delete...I sneezed

TMI. Lol ...

I wonder if that is a My Fico first?

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 18:00:14 GMT

@GApeachy wrote:
@Aim_High wrote:
7.74%.
Are ya sure? Do you wear glasses? Did you have on your glasses? Just kidding; congratulations....probably more for that killer apr than the sl that's awesome

I know, right? The rate is killer indeed. The SL is par for Navy's approval for new members on a first card, maybe even on the generous side, but the important thing is I know it will grow with them.

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High — Tue, 19 Nov 2019 18:03:50 GMT

@ocheosa wrote:
Congratulations !! Red Alert ! You Killed It !!

Love the Bart Simpson GIF

Wooo Hoooo !!!! Lol

@19eighty5

Congratulations on your approval!

Thanks, @19eighty5!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

GApeachy — Tue, 19 Nov 2019 18:35:06 GMT

@Aim_High wrote:
The rate is killer indeed.
I mean....I triple you (And that's not bragging! My rates are mammoth compared to yours.) So you Aim High and score! "Twinie" congrats again! Hope to post one like yours in the near future- goal!

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

GApeachy — Tue, 19 Nov 2019 18:40:47 GMT

@Aim_High wrote:
@GApeachy wrote:
delete...I sneezed
TMI. Lol ...
I wonder if that is a My Fico first?

Ahahahaha! Nope, I did sneeze, hit the dang button (I guess) cuz there ended up being a "double" post. Although, I am allergic to low apr it appears...idk.