topic Re: Confusing Navy Denial/Approval ($25k) in Credit Card Approvals

Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 05:44:46 GMT

Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).

Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.

I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.

Needless to say, Navy is confusing.

Re: Confusing Navy Denial/Approval ($25k)

M_Smart007 — Sat, 23 May 2020 05:51:14 GMT

Congratulations on your approval! ...

Re: Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 05:53:57 GMT

@M_Smart007 wrote:
Congratulations on your approval! ...

Thank you. They are so strange to say I don't qualify for $5k, then turnaround and approve me for $25k! Nothing has changed on my credit since last month except for a couple more inquiries and new credit lines.

Re: Confusing Navy Denial/Approval ($25k)

Anonymous — Sat, 23 May 2020 05:59:49 GMT

Congrats on your approval!

Re: Confusing Navy Denial/Approval ($25k)

M_Smart007 — Sat, 23 May 2020 06:09:22 GMT

@revjamesl wrote:
@M_Smart007 wrote:
Congratulations on your approval! ...
Thank you. They are so strange to say I don't qualify for $5k, then turnaround and approve me for $25k! Nothing has changed on my credit since last month except for a couple more inquiries and new credit lines.

@revjamesl

That is Navy, really can't figure them out 100%

They always keep you guessing ..

and when you least expect it $25K at the lowest rate for that CC.

Re: Confusing Navy Denial/Approval ($25k)

CreditAggie — Sat, 23 May 2020 06:22:44 GMT

Congratulations on your NFCU Cash Rewards approval! That is an outstanding SL and APR!

Re: Confusing Navy Denial/Approval ($25k)

Anonymous — Sat, 23 May 2020 06:33:28 GMT

Congrats on your very nice NFCU cashRewards approval!

Re: Confusing Navy Denial/Approval ($25k)

Harvey26 — Sat, 23 May 2020 07:04:46 GMT

@revjamesl wrote:
Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).

Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.

I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.

Needless to say, Navy is confusing.

Call and do and PC to flagship!

Re: Confusing Navy Denial/Approval ($25k)

TekkenQQ7 — Sat, 23 May 2020 07:06:39 GMT

Re: Confusing Navy Denial/Approval ($25k)

Anonymous — Sat, 23 May 2020 11:53:43 GMT

@revjamesl Super Congrats on your Navy Fed Cash Rewards $25,000 approval!!!

You certainly went from one extreme to the other. From not qualifying at all

for a minimum 5k limit on the Flagship to getting 25k @9.65% for the CR is

strange indeed. And if you'd like to make things even stranger, then I would take

@Harvey26 's advice: Request a product change to the Flagship. That's the card you

originally wanted anyway. I'd love to be a fly on the wall during that conversation.

Congrats again on your Navy Fed approval. Thanks so much for sharing!!!

Re: Confusing Navy Denial/Approval ($25k)

AverageJoesCredit — Sat, 23 May 2020 12:57:17 GMT

Prequal isnt what got you the card, your profile did.

Re: Confusing Navy Denial/Approval ($25k)

gdale6 — Sat, 23 May 2020 13:18:12 GMT

Grats on finally getting it done and getting that great SL

Re: Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 13:23:56 GMT

@Anonymous wrote:
@revjamesl Super Congrats on your Navy Fed Cash Rewards $25,000 approval!!!

You certainly went from one extreme to the other. From not qualifying at all
for a minimum 5k limit on the Flagship to getting 25k @9.65% for the CR is
strange indeed. And if you'd like to make things even stranger, then I would take
@Harvey26 's advice: Request a product change to the Flagship. That's the card you
originally wanted anyway. I'd love to be a fly on the wall during that conversation.

Congrats again on your Navy Fed approval. Thanks so much for sharing!!!

I think I'll wait till they offer a sign-up bonus down the road before applying for the Flagship again.

And no kidding about the extreme! So strange.

Re: Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 13:24:52 GMT

@AverageJoesCredit wrote:
Prequal isnt what got you the card, your profile did.

Right. I just happened to view it before deciding to app.

Re: Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 13:28:22 GMT

@Harvey26 wrote:
@revjamesl wrote:
Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).

Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.

I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.

Needless to say, Navy is confusing.

Call and do and PC to flagship!

I think I'll wait till they offer a sign-up bonus down the road before applying for the Flagship again. That, and I want the free $150 for using the cashREWARDS.

Re: Confusing Navy Denial/Approval ($25k)

Anonymous — Sat, 23 May 2020 13:33:55 GMT

@revjamesl wrote:
... approved for $25k and their lowest APR on card of 9.65% ... Navy is confusing.

He is not the only One who works in mysterious ways. Congrats! rev on finding the Navy light. Praise the Lord.

Re: Confusing Navy Denial/Approval ($25k)

PicoFico — Sat, 23 May 2020 13:44:53 GMT

Curious if you were trying to app Flagship as your first card?

Re: Confusing Navy Denial/Approval ($25k)

revjamesl — Sat, 23 May 2020 13:52:19 GMT

@PicoFico wrote:
Curious if you were trying to app Flagship as your first card?

That's correct.

Re: Confusing Navy Denial/Approval ($25k)

AllZero — Sat, 23 May 2020 18:08:00 GMT

Congratulations on your approval!

Re: Confusing Navy Denial/Approval ($25k)

snickerpedia — Sat, 23 May 2020 18:41:18 GMT

Congratulations on your massive approval!!!!!!!!!!