topic Re: Navy Federal 2nd Card Approval in Credit Card Approvals

Navy Federal 2nd Card Approval

Dubcity4life — Sat, 10 Jul 2021 05:04:25 GMT

I have been on my credit rebuild for over a year. I started off with a 545 fico 8 score. I recently applied for a second Navy Federal credit card. I was approved for a $20,000 credit line to my suprise. My first Navy credit card limit is $7700. I applied for a credit line increase on my Navy Cash Reward through the online portal and I was declined. I had discovered the late night hack after 11pm on a youtube channel. I checked the Navy Federal credit prequalify site and it reflected I was prequalified for all thier cards...and to no avail, approved for the Navy Federal More Rewards credit card. I never thought in a million years I would be approved for a credit line of $20,000. I just want to encourage someone else on their credit journey. My Transunion Fico 8 score was 636 at the time with 2 collections around $5000. I have a Capitol One QS1 $2800, Discover Chrome IT $1000 which just unsecured two days ago, Amex Delta Gold $1000...My Experian Fico8 is 652 now. I'm just thankful for all the great advice on this forum...my goal is reach a 700 credit score but not sure if I can make it because my student loan balance is around $92,000...however, it's current.

Re: Navy Federal 2nd Card Approval

sznthescore — Sat, 10 Jul 2021 05:13:17 GMT

Congrats! Nice rebuilding work. Thanks for the DPs.

Late nite hack after 11pm. (Noted. lol)

Re: Navy Federal 2nd Card Approval

surferchris — Sat, 10 Jul 2021 06:42:30 GMT

Congrats!

Re: Navy Federal 2nd Card Approval

HernandezWil — Sat, 10 Jul 2021 07:53:49 GMT

Congrats. Great job!!

Re: Navy Federal 2nd Card Approval

Total80sKid — Sat, 10 Jul 2021 08:12:33 GMT

Congrats on your Navy Fed approval! 👍🏼

Just an FYI. There is no late night hack, but I'm sure other forum members can go into more detail about that.

Re: Navy Federal 2nd Card Approval

Dubcity4life — Sat, 10 Jul 2021 12:26:58 GMT

Thanks, I forgot to mention my utilization is 8%...which helped my credit profile tremendously.

Re: Navy Federal 2nd Card Approval

JStyleszx — Sat, 10 Jul 2021 13:04:11 GMT

Wow congrats !

Re: Navy Federal 2nd Card Approval

M_Smart007 — Sat, 10 Jul 2021 15:04:21 GMT

Congrats on your second NFCU approval

Re: Navy Federal 2nd Card Approval

GrandBay — Sat, 10 Jul 2021 15:39:00 GMT

@Dubcity4life congrats on your successes!

You will hit your 700 scores but your scores will stagnate due to the 2 collections on your CR until they age off or are paid off

Re: Navy Federal 2nd Card Approval

Dubcity4life — Sat, 10 Jul 2021 15:55:27 GMT

@GrandBay. I actually paid one last week so I only have 1 to go. Hopefully my scores will take a full throttle soon. Thanks

Re: Navy Federal 2nd Card Approval

gingerflower — Sat, 10 Jul 2021 15:58:28 GMT

Congratulations!

Re: Navy Federal 2nd Card Approval

gdale6 — Sat, 10 Jul 2021 16:36:56 GMT

Excellent, grats on your new navy card!!

Re: Navy Federal 2nd Card Approval

Mr_Mojo_Risin — Sat, 10 Jul 2021 17:05:36 GMT

What an excellent approval?! Congratulations on your new More Rewards, it's a great card!

Re: Navy Federal 2nd Card Approval

CreditAggie — Sun, 11 Jul 2021 04:36:57 GMT

Congratulations on your NFCU approval!

Re: Navy Federal 2nd Card Approval

Anonymous — Sun, 11 Jul 2021 18:35:00 GMT

@sznthescore wrote:
Congrats! Nice rebuilding work. Thanks for the DPs.
Late nite hack after 11pm. (Noted. lol)

No use of noting this "late nite hack"....There is no such thing...Its a 100% myth that is spread by only a lady Youtuber...lols..

Re: Navy Federal 2nd Card Approval

coreyb80 — Sun, 11 Jul 2021 20:31:39 GMT

Congrats on the nice approval! Go Navy!!