topic Re: Navy Fed Platinum Card in Credit Card Approvals

Navy Fed Platinum Card

BessTruman — Wed, 21 Oct 2020 23:39:25 GMT

Got an approval today for the Platinum. It was hilarious. I just became a member today AND I got approved for the card. This is the funny part....I wanted to transfer over a $7000 balance on my Discover card.(I know..it's too high. working on it). I put the transfer in with the application and they gave me a $500 starting credit line!!! They had to review my account...it was not an instant approval. I prequalified and when they reviewed it..that's what i got. BWAHHHHHHHH! I'm about to call them and say....did you forget a 0? You only gave me $500. hahahhahahhah so funny. But I guess it will grow if they don't up it after a recon. So funny. I opened a Pen Fed last week and they gave me a $5000 starting credit line. I have as $15,000 CL on my Discover card. This credit game is hilarious.

Re: Navy Fed Platinum Card

Loquat — Wed, 21 Oct 2020 23:43:48 GMT

Congrats on the approval. Don't be discouraged by the less than desirable limit...give it time (and better economic conditions) and if NFCU goes back to "business as usual" then you'll see decent growth on the card.

Re: Navy Fed Platinum Card

blindambition — Wed, 21 Oct 2020 23:50:22 GMT

Congrats on membership and approval!! That's a standard starting SL on first card.

Read up on 91/3 rule. After 91 days and 3 full statements, eligible for 2nd card and CLI on first. The 2nd card will most likely be a stellar SL.

Re: Navy Fed Platinum Card

gdale6 — Thu, 22 Oct 2020 00:04:06 GMT

Grats on your Navy approval

Congrats on membership and approval!!Re: Navy Fed Platinum Card

CreditMagic7 — Thu, 22 Oct 2020 00:12:09 GMT

Congratulations on the new NFCU membership and approval!!

Don't be surprised later down the road after some time with them that your jaw drops.

They can super surprise you with satisfaction on subsequent card approval lines and CLI's. NFCU is very top notch!

Re: Congrats on membership and approval!!Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 00:15:40 GMT

@CreditMagic7 wrote:
Congratulations on the new NFCU membership and approval!!

Don't be surprised later down the road after some time with them that your jaw drops.

They can super surprise you with satisfaction on subsequent card approval lines and CLI's. NFCU is very top notch!

That's great to know!

Re: Navy Fed Platinum Card

M_Smart007 — Thu, 22 Oct 2020 00:26:40 GMT

Congratulations on your Approval..

Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 00:31:10 GMT

Thanks!

Re: Navy Fed Platinum Card

cashorcharge — Thu, 22 Oct 2020 01:05:20 GMT

Congratulations on your approval! Welcome to NFCU!

Re: Navy Fed Platinum Card

nuohlac — Thu, 22 Oct 2020 01:07:06 GMT

Congrats!!!

Re: Navy Fed Platinum Card

UH_HUH — Thu, 22 Oct 2020 01:07:41 GMT

@BessTruman wrote:
Got an approval today for the Platinum. It was hilarious. I just became a member today AND I got approved for the card. This is the funny part....I wanted to transfer over a $7000 balance on my Discover card.(I know..it's too high. working on it). I put the transfer in with the application and they gave me a $500 starting credit line!!! They had to review my account...it was not an instant approval. I prequalified and when they reviewed it..that's what i got. BWAHHHHHHHH! I'm about to call them and say....did you forget a 0? You only gave me $500. hahahhahahhah so funny. But I guess it will grow if they don't up it after a recon. So funny. I opened a Pen Fed last week and they gave me a $5000 starting credit line. I have as $15,000 CL on my Discover card. This credit game is hilarious.

First off congratulations on your success!

As mentioned upstream NFCU is widely regarded

as one of,if not the,best credit union around. I hope to be applying soon myself,

and if they hand me $500.00 I will say "Thank You" :-)

Thanks for sharing your story,

Cheers

Re: Navy Fed Platinum Card

AllZero — Thu, 22 Oct 2020 01:47:07 GMT

Congratulations on your approval!

Re: Navy Fed Platinum Card

Anonymous — Thu, 22 Oct 2020 02:31:54 GMT

Congrats on the approval! Looking forward to seeing your relationship with Navy grow! Any other DP's to share??

Re: Navy Fed Platinum Card

Meanmchine — Thu, 22 Oct 2020 02:51:02 GMT

They probably saw the $7k balance you have

At least its an approval. Congrats

Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 02:56:00 GMT

@Anonymous wrote:
Congrats on the approval! Looking forward to seeing your relationship with Navy grow! Any other DP's to share??

What is a DP? If we were on another site I would know exactly what it meant. hahahahah

Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 02:57:49 GMT

@Meanmchine wrote:
They probably saw the $7k balance you have
At least its an approval. Congrats

I tried to transfer the $7000 balance. They were not having it. lol I only have 30 days to use the transfer so I may lose that opportunity. Oh well...

Re: Navy Fed Platinum Card

AllZero — Thu, 22 Oct 2020 02:58:54 GMT

@BessTruman wrote:
@Anonymous wrote:
Congrats on the approval! Looking forward to seeing your relationship with Navy grow! Any other DP's to share??
What is a DP? If we were on another site I would know exactly what it meant. hahahahah

I have no idea what you are talking about but I agree with your train of though.

DP Data Point.

Common Abbreviations

Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 03:16:39 GMT

@AllZero wrote:
@BessTruman wrote:
@Anonymous wrote:
Congrats on the approval! Looking forward to seeing your relationship with Navy grow! Any other DP's to share??
What is a DP? If we were on another site I would know exactly what it meant. hahahahah
I have no idea what you are talking about but I agree with your train of though.

DP Data Point.

Common Abbreviations

Thank you soooooo much for this. I often don't know what those abbreviations stand for. I won' t tell you what mine stood for....you would surely blush ..then run for the hills. lol

I guess I don't have any other DP to share...other than...I was able to increase the credit lines on a couple of my cc's last night. I have an Amazon Store Card (That I hate)..$1500. It's now at $3000. Commeity Mastercard increased by $2000. I was really just testing the waters to see who was moving. Tried to increase Discover and was immediatly turned down; I don't think they are moving at all these days.

Re: Navy Fed Platinum Card

ZackAttack — Thu, 22 Oct 2020 03:56:43 GMT

@BessTruman wrote:
Got an approval today for the Platinum. It was hilarious. I just became a member today AND I got approved for the card. This is the funny part....I wanted to transfer over a $7000 balance on my Discover card.(I know..it's too high. working on it). I put the transfer in with the application and they gave me a $500 starting credit line!!! They had to review my account...it was not an instant approval. I prequalified and when they reviewed it..that's what i got. BWAHHHHHHHH! I'm about to call them and say....did you forget a 0? You only gave me $500. hahahhahahhah so funny. But I guess it will grow if they don't up it after a recon. So funny. I opened a Pen Fed last week and they gave me a $5000 starting credit line. I have as $15,000 CL on my Discover card. This credit game is hilarious.

Sounds like me when I just applied for my second Discover. My first one (3550 -> 4550 a couple days ago) was sitting with history since Jan 2019. Here I thought they would meet to the same card and only gave me a $1,500 for the second card. BOA, PNC, & AOD denied; but half way in the mouth I tried Citi and was stunned with a 3,500 and the best card was DCU Plat confirming of an instant approval of 8,000!!!! Highest card right there.

The credit game is funny to see but you just got to deal with what they give. For Navy, you joining the same day with no history to them, could though them a loop. When I applied with DCU, my HP was already done Oct 2 for a loan but was surprised for the same amount on a Visa card. I joined DCU back in June 2020 and surprise they gave me 2 GIANT steps that I won't forget. All I did with DCU was having the highest status on the checking account and having $1k in the savings to get that.

I think if you gave Navy some time with you the card will go. Probably won't hurt throwing a % of a paycheck into an account there to be used as bill pay.

Good luck with your credit history, I know mine will be shot for a while when mine is a thin file with barely any experience.

Re: Navy Fed Platinum Card

BessTruman — Thu, 22 Oct 2020 13:32:28 GMT

@ZackAttack wrote:
@BessTruman wrote:
Got an approval today for the Platinum. It was hilarious. I just became a member today AND I got approved for the card. This is the funny part....I wanted to transfer over a $7000 balance on my Discover card.(I know..it's too high. working on it). I put the transfer in with the application and they gave me a $500 starting credit line!!! They had to review my account...it was not an instant approval. I prequalified and when they reviewed it..that's what i got. BWAHHHHHHHH! I'm about to call them and say....did you forget a 0? You only gave me $500. hahahhahahhah so funny. But I guess it will grow if they don't up it after a recon. So funny. I opened a Pen Fed last week and they gave me a $5000 starting credit line. I have as $15,000 CL on my Discover card. This credit game is hilarious.
Sounds like me when I just applied for my second Discover. My first one (3550 -> 4550 a couple days ago) was sitting with history since Jan 2019. Here I thought they would meet to the same card and only gave me a $1,500 for the second card. BOA, PNC, & AOD denied; but half way in the mouth I tried Citi and was stunned with a 3,500 and the best card was DCU Plat confirming of an instant approval of 8,000!!!! Highest card right there.

The credit game is funny to see but you just got to deal with what they give. For Navy, you joining the same day with no history to them, could though them a loop. When I applied with DCU, my HP was already done Oct 2 for a loan but was surprised for the same amount on a Visa card. I joined DCU back in June 2020 and surprise they gave me 2 GIANT steps that I won't forget. All I did with DCU was having the highest status on the checking account and having $1k in the savings to get that.

I think if you gave Navy some time with you the card will go. Probably won't hurt throwing a % of a paycheck into an account there to be used as bill pay.

Good luck with your credit history, I know mine will be shot for a while when mine is a thin file with barely any experience.

Yeah...I agree with your assesment that I was new and tried to tansfer $7000 over. lol I may go for a new Discover Card next year. I only have one. I'm gonna garden for a while. I've had a good little 2 day run. These new cards at the Credit Unions will grow from what everyone tells me. I really just wanted to join the credit unions. I want to buy a car in a year or 2 and they have great rates.

Good luck with your history as well!