topic Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!! in Credit Card Approvals

WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:23:31 GMT

HAPPY HOLIDAYS myFICO Family!

Today was 91/3 Day for my 1st NFCU CC - cashRewards, SL $1,000. I decided to call in and see what pre-quals were available, even though the More Rewards AMEX card was my goal. A very nice Rep informed me that according to their system, this was Day 90 instead of 91. So, I promptly informed her that according to the online TimeAndDate calculator, today was 91 days since my cashRewards card was approved on Sept. 16th.

She suggested that I might want to wait until some future date to try the pre-qual tool. Knowing my current TU Fico Score and having full confidence in the TimeAndDate calculator, I asked if we could go ahead and see if I had any pre-quals. She agreed and entered my info and the response was NO PRE-QUALS AVAILABLE !

Didn't see that one coming (BTW, the Pre-Quals tool is sourced from a third-party Vendor)! So, the Rep suggested that I should make my Pre-Qual request on another day. Undeterred, I told her that I wanted to go ahead and app for the More Rewards AMEX card.

BOOM - Instant $25,000 SLI!

Based on past NFCU myFICO posts with DPs, I was expecting a $25,000 SL and I am very happy to finally have a CL in the mid 20s. I officially started my Rebuild in April 2018 and getting to this point in 20 months, for me, is where the month to month efforts start to really pay off.

MANY, MANY THANKS to the myFICO family for showing me The Way!!!

DPs -

cashRewards card, SL $1,000 - approximately $950 per month spend, pay 99% of balance BEFORE statement cut.

TU FICO 8 - 730

AoOA - 12.6 years

AAoA - 2.6 years

AoYA - 3 months

Income - $100K+

UTIL - 2%, from TU Report

PIF all other accounts every month with the exception of approximately $1,200 on my AmEx Cash Magnet card (still in 0% Promo interest period)

I am truly grateful for ALL of the information shared on the Forums EVERY Day!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

AllZero — Tue, 17 Dec 2019 01:11:54 GMT

Congratulations on your approval!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:14:34 GMT

@AllZero wrote:
Congratulations on your approval!

, Many Thanks my good friend!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

AllZero — Tue, 17 Dec 2019 01:16:16 GMT

You nailed it!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:20:03 GMT

@AllZero wrote:
You nailed it!

Thanks @AllZero, That's the BEST Nailed IT on the planet!!!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Anonymous — Tue, 17 Dec 2019 01:23:12 GMT

Wow. Sweet approval, Marz! Congratulations.

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Anonymous — Tue, 17 Dec 2019 01:25:08 GMT

Congrats on your NFCU More Rewards approval and monster SL! It's time to retire your $300 OpenSky card now!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:27:43 GMT

@Anonymous wrote:
Wow. Sweet approval, Marz! Congratulations.

Thanks @James_A , I am just following those who have gone there before me!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

azsnake — Tue, 17 Dec 2019 01:38:11 GMT

That is awesome! Crazy no Pre Q but still got a huge SL. Congratulations and thanks for the dp. Just starting my relationship with NFCU, and this helps.

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:41:05 GMT

@Anonymous wrote:
Congrats on your NFCU More Rewards approval and monster SL! It's time to retire your $300 OpenSky card now!

@Steve891, Thanks, I finally received one of the MONSTER SLs!!!

I just paid my Annual fee for OpenSky so, I have another 11 months to go. On the PLUS side, I have a 4 year + Excellent payment record with them and all of my other CCs are less than 2 years old.

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 01:47:29 GMT

@azsnake wrote:
That is awesome! Crazy no Pre Q but still got a huge SL. Congratulations and thanks for the dp. Just starting my relationship with NFCU, and this helps.

Many Thanks and you're welcome @azsnake , the NFCU Ref taking my app was confused by the outcome too!

I will be on the lookout for your NFCU success posts!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

AverageJoesCredit — Tue, 17 Dec 2019 02:08:00 GMT

Dang Marzie, thats absolutely Amazing! Couldnt be happier for you. Enjoy that monster limit and if it gets out of line, just feed it your baby 1ker🎄🎅🙋‍♂️

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

mikesonthemend — Tue, 17 Dec 2019 02:20:32 GMT

@Marz2002 wrote:
HAPPY HOLIDAYS myFICO Family!

Today was 91/3 Day for my 1st NFCU CC - cashRewards, SL $1,000. I decided to call in and see what pre-quals were available, even though the More Rewards AMEX card was my goal. A very nice Rep informed me that according to their system, this was Day 90 instead of 91. So, I promptly informed her that according to the online TimeAndDate calculator, today was 91 days since my cashRewards card was approved on Sept. 16th.

She suggested that I might want to wait until some future date to try the pre-qual tool. Knowing my current TU Fico Score and having full confidence in the TimeAndDate calculator, I asked if we could go ahead and see if I had any pre-quals. She agreed and entered my info and the response was NO PRE-QUALS AVAILABLE !

Didn't see that one coming (BTW, the Pre-Quals tool is sourced from a third-party Vendor)! So, the Rep suggested that I should make my Pre-Qual request on another day. Undeterred, I told her that I wanted to go ahead and app for the More Rewards AMEX card.

BOOM - Instant $25,000 SLI!

Based on past NFCU myFICO posts with DPs, I was expecting a $25,000 SL and I am very happy to finally have a CL in the mid 20s. I officially started my Rebuild in April 2018 and getting to this point in 20 months, for me, is where the month to month efforts start to really pay off.

MANY, MANY THANKS to the myFICO family for showing me The Way!!!

DPs -
cashRewards card, SL $1,000 - approximately $950 per month spend, pay 99% of balance BEFORE statement cut.
TU FICO 8 - 730
AoOA - 12.6 years
AAoA - 2.6 years
AoYA - 3 months
Income - $100K+
UTIL - 2%, from TU Report
PIF all other accounts every month with the exception of approximately $1,200 on my AmEx Cash Magnet card (still in 0% Promo interest period)

I am truly grateful for ALL of the information shared on the Forums EVERY Day!

Awesome! Congratulations on your approval and atta boy for your persistence!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

SFLSpotter9210 — Tue, 17 Dec 2019 02:31:14 GMT

Congratulation’s on your approval and awesome SL. I too was approved September 16th but haven’t pulled the trigger on any new cards. I did send them a SM today asking if I had any prequels and haven’t heard back as of yet.

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 02:44:15 GMT

@AverageJoesCredit wrote:
Dang Marzie, thats absolutely Amazing! Couldnt be happier for you. Enjoy that monster limit and if it gets out of line, just feed it your baby 1ker🎄🎅🙋‍♂️

MANY Thanks @AverageJoesCredit, you are correct and I am AMAZED, too!

My very 1st MONSTER limit and DISCO kicked off the quest 20 months ago with a $10,000 SL!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 02:53:26 GMT

@mikesonthemend wrote:
@Marz2002 wrote:
HAPPY HOLIDAYS myFICO Family!

Today was 91/3 Day for my 1st NFCU CC - cashRewards, SL $1,000. I decided to call in and see what pre-quals were available, even though the More Rewards AMEX card was my goal. A very nice Rep informed me that according to their system, this was Day 90 instead of 91. So, I promptly informed her that according to the online TimeAndDate calculator, today was 91 days since my cashRewards card was approved on Sept. 16th.

She suggested that I might want to wait until some future date to try the pre-qual tool. Knowing my current TU Fico Score and having full confidence in the TimeAndDate calculator, I asked if we could go ahead and see if I had any pre-quals. She agreed and entered my info and the response was NO PRE-QUALS AVAILABLE !

Didn't see that one coming (BTW, the Pre-Quals tool is sourced from a third-party Vendor)! So, the Rep suggested that I should make my Pre-Qual request on another day. Undeterred, I told her that I wanted to go ahead and app for the More Rewards AMEX card.

BOOM - Instant $25,000 SLI!

Based on past NFCU myFICO posts with DPs, I was expecting a $25,000 SL and I am very happy to finally have a CL in the mid 20s. I officially started my Rebuild in April 2018 and getting to this point in 20 months, for me, is where the month to month efforts start to really pay off.

MANY, MANY THANKS to the myFICO family for showing me The Way!!!

DPs -
cashRewards card, SL $1,000 - approximately $950 per month spend, pay 99% of balance BEFORE statement cut.
TU FICO 8 - 730
AoOA - 12.6 years
AAoA - 2.6 years
AoYA - 3 months
Income - $100K+
UTIL - 2%, from TU Report
PIF all other accounts every month with the exception of approximately $1,200 on my AmEx Cash Magnet card (still in 0% Promo interest period)

I am truly grateful for ALL of the information shared on the Forums EVERY Day!
Awesome! Congratulations on your approval and atta boy for your persistence!

Thanks @mikesonthemend, I made it all the way to 91/3 and it was time for my 2nd NFCU CC approval!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

Marz2002 — Tue, 17 Dec 2019 03:00:24 GMT

@SFLSpotter9210 wrote:
Congratulation’s on your approval and awesome SL. I too was approved September 16th but haven’t pulled the trigger on any new cards. I did send them a SM today asking if I had any prequels and haven’t heard back as of yet.

Thanks @SFLSpotter9210 , I hope they get the Pre-Qual tool working correctly again before you try it!

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

SFLSpotter9210 — Tue, 17 Dec 2019 03:03:36 GMT

I may go for a CLI first. What you think? Since I’ve been reading allot of SP approvals.

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

thornback — Tue, 17 Dec 2019 03:06:09 GMT

Congratulations on the new card and SL!

And I love the whole "I know my worth" vibe of the post

Re: WHOOP! Navy Federal 91/3 2nd Card APPROVAL - $25,000 SL!!!

M_Smart007 — Tue, 17 Dec 2019 03:11:22 GMT

Congratulations @Marz2002 !!!