topic Re: A little disappointed with navy right now in Credit Card Applications

A little disappointed with navy right now

Anonymous — Sat, 19 Dec 2020 11:20:44 GMT

I asked for my annual apr reduction, and because I product changed from go rewards to cash rewards in April they would not grant an apr request idk what a pc has to do with it it's the same account and account number but it's ok on a plus note my cr will be squeaky clean by then so it is what it is

Re: A little disappointed with navy right now

Anonymous — Sat, 19 Dec 2020 13:28:36 GMT

When you did the PC cash rewards in April, they gave you the lowest APR you qualified for at that time so you're next review wouldn't be until one year from that time?

Doesn't sound too disappointing to me.

Re: A little disappointed with navy right now

Anonymous — Sat, 19 Dec 2020 13:15:18 GMT

When you have 2 cards and go from $1500 on one and a whopping $15k on the next, I don't see any major disappointment.

Re: A little disappointed with navy right now

blindambition — Sat, 19 Dec 2020 17:42:25 GMT

@Anonymous wrote:
When you did the PC cash rewards in April, they gave you the lowest APR you qualified for at that time so you're next review wouldn't be until one year from that time?

Doesn't sound too disappointing to me.

This is not new, and well documented. I'm not going all fanboy on Navy, but one of the fairest and most generous lenders you'll ever deal with.

APR doesn't matter when not carrying a balance.

Re: A little disappointed with navy right now

Gatortrout — Sat, 19 Dec 2020 17:54:08 GMT

@Anonymous wrote:
When you have 2 cards and go from $1500 on one and a whopping $15k on the next, I don't see any major disappointment.

Agree!

Re: A little disappointed with navy right now

PicoFico — Sun, 20 Dec 2020 04:16:30 GMT

@Anonymous wrote:
When you did the PC cash rewards in April, they gave you the lowest APR you qualified for at that time so you're next review wouldn't be until one year from that time?

Doesn't sound too disappointing to me.

It's that. Your APR was reviewed on product change and I suspect disclosed to you before you consented to change, as was for me.

Stay positive, focus on the pros, and 4 months will fly by!

Re: A little disappointed with navy right now

Anonymous — Sun, 20 Dec 2020 12:32:32 GMT

Oh I'm fine still my favorite FI by far they have given me everything I've ever asked for, I'm actually more disappointed in myself I forgot I picked a card that did points instead of cb , and pc'd. And if you want to admonish me (this comment is a joke) it wasn't a card of 1500 to a card of 150000, it was a card of 500 to 1500, then a card of 15000, to cards of 4500 and 18k respectively lol. Was just in the shock of the moment of them actually telling me no because they never do, I'll always sing navy's praises It'll fly by and on the plus side I'll be eligible for cli on both cards again

Re: A little disappointed with navy right now

JNA1 — Sun, 20 Dec 2020 17:48:25 GMT

@Anonymous wrote:
Oh I'm fine still my favorite FI by far they have given me everything I've ever asked for, I'm actually more disappointed in myself I forgot I picked a card that did points instead of cb , and pc'd. And if you want to admonish me (this comment is a joke) it wasn't a card of 1500 to a card of 150000, it was a card of 500 to 1500, then a card of 15000, to cards of 4500 and 18k respectively lol. Was just in the shock of the moment of them actually telling me no because they never do, I'll always sing navy's praises It'll fly by and on the plus side I'll be eligible for cli on both cards again

Do the points not redeem for cash back on the Go Rewards cards? They do on the More Rewards card (1 point = 1 cent)

I'm not admonishing, just asking! 😉😂

Re: A little disappointed with navy right now

Anonymous — Sun, 20 Dec 2020 20:22:58 GMT

They might I don't remember cash back seemed simpler than points

Re: A little disappointed with navy right now

Anonymous — Sun, 20 Dec 2020 21:16:51 GMT

The points can be redeemed for cash back once you have saved $50 worth. It's not as straightforward as the cash back redemption of the cashRewards but it's not all that challenging to do either.

Re: A little disappointed with navy right now

Mr_Mojo_Risin — Mon, 21 Dec 2020 00:12:56 GMT

@Anonymous wrote:
Oh I'm fine still my favorite FI by far they have given me everything I've ever asked for, I'm actually more disappointed in myself I forgot I picked a card that did points instead of cb , and pc'd. And if you want to admonish me (this comment is a joke) it wasn't a card of 1500 to a card of 150000, it was a card of 500 to 1500, then a card of 15000, to cards of 4500 and 18k respectively lol. Was just in the shock of the moment of them actually telling me no because they never do, I'll always sing navy's praises It'll fly by and on the plus side I'll be eligible for cli on both cards again

Yeah when your used to them saying yes to everything, it can kind of stun you for a second. Lol. I get it though, they've been extremely giving to me also!

Re: A little disappointed with navy right now

AverageJoesCredit — Mon, 21 Dec 2020 00:42:37 GMT

Im super disappointed in Navy....i asked for 30k and they only gave me 29k....the nerve of that financial institution 😡

Re: A little disappointed with navy right now

Anonymous — Mon, 21 Dec 2020 00:52:20 GMT

Lol AJC

Re: A little disappointed with navy right now

Anonymous — Mon, 21 Dec 2020 01:24:44 GMT

@AverageJoesCredit wrote:
Im super disappointed in Navy....i asked for 30k and they only gave me 29k....the nerve of that financial institution 😡

Re: A little disappointed with navy right now

Achilles17 — Mon, 21 Dec 2020 01:30:47 GMT

@AverageJoesCredit wrote:
Im super disappointed in Navy....i asked for 30k and they only gave me 29k....the nerve of that financial institution 😡

🙈🙉🙊

Re: A little disappointed with navy right now

JNA1 — Mon, 21 Dec 2020 02:20:23 GMT

@AverageJoesCredit wrote:
Im super disappointed in Navy....i asked for 30k and they only gave me 29k....the nerve of that financial institution 😡

Wut???

I asked for $30K yesterday and only got $27.1! 😂😂

Re: A little disappointed with navy right now

AverageJoesCredit — Mon, 21 Dec 2020 02:22:31 GMT

@JNA1 wrote:
@AverageJoesCredit wrote:
Im super disappointed in Navy....i asked for 30k and they only gave me 29k....the nerve of that financial institution 😡
Wut???
I asked for $30K yesterday and only got $27.1! 😂😂

Yeah, but think of it like this, you are now elible to complete a Boa 99.9k form 😁

Re: A little disappointed with navy right now

Anonymous — Tue, 22 Dec 2020 11:55:42 GMT

Like another member and I both said just a shock when they ever say no lol I was shocked at the moment don't even know why I was torqued about it I don't even carry balances anyway lol