topic Re: NFCU Flagship denial in Credit Card Applications

NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 18:39:28 GMT

I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.

Re: NFCU Flagship denial

DoctorManhattan — Sat, 18 Dec 2021 18:43:09 GMT

How many cards do you have with them?

Re: NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 18:49:12 GMT

@DoctorManhattan wrote:
How many cards do you have with them?

Just one. The More Rewards card.

Re: NFCU Flagship denial

AverageJoesCredit — Sat, 18 Dec 2021 18:59:28 GMT

@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.

Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.

Re: NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 19:42:43 GMT

@AverageJoesCredit wrote:
@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.
Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.

Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report.

Re: NFCU Flagship denial

pakratus — Sat, 18 Dec 2021 21:00:31 GMT

How many days were on your first statement? DPs indicate anything less than 25 days is not a full statement and is not be counted towards 91/3.

Re: NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 21:01:46 GMT

@pakratus wrote:
How many days were on your first statement? DPs indicate anything less than 25 days is not a full statement and is not be counted towards 91/3.

All statements showed either 30 or 31 days

Re: NFCU Flagship denial

pakratus — Sat, 18 Dec 2021 21:17:34 GMT

@Roadgeek395 wrote:
All statements showed either 30 or 31 days

What was your More Rewards approval date?

What is your statement closing date on your first statement?

Re: NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 21:36:55 GMT

@pakratus wrote:
@Roadgeek395 wrote:
All statements showed either 30 or 31 days
What was your More Rewards approval date?
What is your statement closing date on your first statement?

Approval date was September 10th, closing date of first statement was October 8th.

Re: NFCU Flagship denial

dragontears — Sat, 18 Dec 2021 21:41:59 GMT

@Roadgeek395 wrote:
@AverageJoesCredit wrote:
@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.
Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.
Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report.

Objectively, does your credit profile merit a card with a 5k starting limit?

Re: NFCU Flagship denial

Roadgeek395 — Sat, 18 Dec 2021 21:47:25 GMT

@dragontears wrote:
@Roadgeek395 wrote:
@AverageJoesCredit wrote:
@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.
Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.
Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report.
Objectively, does your credit profile merit a card with a 5k starting limit?

My More Rewards had a 5.5k SL

Re: NFCU Flagship denial

AverageJoesCredit — Sun, 19 Dec 2021 01:38:00 GMT

@dragontears wrote:
@Roadgeek395 wrote:
@AverageJoesCredit wrote:
@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.
Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.
Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report.
Objectively, does your credit profile merit a card with a 5k starting limit?

Sometimes i wonder if all 5k limits are created the same lol. Once upon a time i apped for FS just to see if i could get it and i had various 5k limits in my profile yet i was still denied for not meeting that standard. Strange beast those cards that must qualify for a sl of 5k

Re: NFCU Flagship denial

greatscott85 — Sun, 19 Dec 2021 05:40:10 GMT

One thought here. You could always apply for a different card and then PC to the Flagship after sometime. That's what happened to me as I had an older version of the GoRewards and the MoreRewards. The GoRewards wasn't really doing anything for me. I think it was around 1 year that I PC'd to Flagship. You would lose the SUB. But if you really wanted the Flagship, this is a possible way.

Re: NFCU Flagship denial

OmarGB9 — Sun, 19 Dec 2021 15:08:04 GMT

@Roadgeek395 wrote:
@dragontears wrote:
@Roadgeek395 wrote:
@AverageJoesCredit wrote:
@Roadgeek395 wrote:
I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.
Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income.
Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report.
Objectively, does your credit profile merit a card with a 5k starting limit?
My More Rewards had a 5.5k SL

Do you have any other cards from other lenders that have a $5k+ CL? Because if Navy is the only one, then more than likely they just aren't comfortable with giving you another $5k+ card right now.

Re: NFCU Flagship denial

pakratus — Sun, 19 Dec 2021 15:41:41 GMT

@OmarGB9 wrote:
Do you have any other cards from other lenders that have a $5k+ CL? Because if Navy is the only one, then more than likely they just aren't comfortable with giving you another $5k+ card right now.

My example of this- My first card, Cash Rewards, $25k. Second card, More Rewards, I only got 1k.

Re: NFCU Flagship denial

Roadgeek395 — Sun, 19 Dec 2021 17:21:09 GMT

Thanks for all your information and ideas. I think I'll wait a few more months and try again.

On a positive note I got a CLI on my More Rewards CC. $8k CLI. For a new limit of $13.5k

I went for the CLI after the Flagship denial.