topic How Sensitive is Navy to Inquires in Credit Cards

How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 17:39:23 GMT

Just wondering how many before they start to matter with them? Currently at 7 on my TU and wondering if I should wait til they fall off. DPs for other issuers is welcomed also.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 17:43:04 GMT

Navy and sensitive shouldn't really be in the same sentence honestly.

They're one of the most relaxed lenders around as long as they're getting paid.

They can be a bit tough with CLIs and second/third cards sometimes but it's not common.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 17:44:17 GMT

I mean, it would never hurt to let inquiries fall of your CR's. Good luck if you decide to apply! 👍

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 17:59:41 GMT

@Anonymous wrote:
Navy and sensitive shouldn't really be in the same sentence honestly.

They're one of the most relaxed lenders around as long as they're getting paid.

They can be a bit tough with CLIs and second/third cards sometimes but it's not common.

I figured. I'm on a road to rebuild. Completely blank slate as of December 2019. In December I got a Citibank Secured Card ($500) Navy Secured ($200) both have reported twice. (1%utilization). Quicksilver unsecured ($300) two weeks ago. Reading the forums got me to check the Disco Prequal site. It said I was. So I applied for the IT. Hoping to get $500-$1000. I called to verify something and the rep said I was approved for $6500!! My motives are more so to have everything applied for around the same time so they can all age together. The only other card I would apply for within the next year would be a second Navy. Hence the post.

@Anonymous

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 18:55:11 GMT

@Anonymous wrote:
@Anonymous wrote:
Navy and sensitive shouldn't really be in the same sentence honestly.

They're one of the most relaxed lenders around as long as they're getting paid.

They can be a bit tough with CLIs and second/third cards sometimes but it's not common.

I figured. I'm on a road to rebuild. Completely blank slate as of December 2019. In December I got a Citibank Secured Card ($500) Navy Secured ($200) both have reported twice. (1%utilization). Quicksilver unsecured ($300) two weeks ago. Reading the forums got me to check the Disco Prequal site. It said I was. So I applied for the IT. Hoping to get $500-$1000. I called to verify something and the rep said I was approved for $6500!! My motives are more so to have everything applied for around the same time so they can all age together. The only other card I would apply for within the next year would be a second Navy. Hence the post.

@Anonymous

Well as long as you're managing your accounts well, 6 months with a secured card can often be enough to get approved for an unsecured card with NFCU. It's worth a shot in June.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 19:31:14 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Navy and sensitive shouldn't really be in the same sentence honestly.

They're one of the most relaxed lenders around as long as they're getting paid.

They can be a bit tough with CLIs and second/third cards sometimes but it's not common.

I figured. I'm on a road to rebuild. Completely blank slate as of December 2019. In December I got a Citibank Secured Card ($500) Navy Secured ($200) both have reported twice. (1%utilization). Quicksilver unsecured ($300) two weeks ago. Reading the forums got me to check the Disco Prequal site. It said I was. So I applied for the IT. Hoping to get $500-$1000. I called to verify something and the rep said I was approved for $6500!! My motives are more so to have everything applied for around the same time so they can all age together. The only other card I would apply for within the next year would be a second Navy. Hence the post.

@Anonymous
Well as long as you're managing your accounts well, 6 months with a secured card can often be enough to get approved for an unsecured card with NFCU. It's worth a shot in June.

Thank you. I for one always appreciate the help and advice from the forums!

Re: How Sensitive is Navy to Inquires

AverageJoesCredit — Sun, 23 Feb 2020 19:33:20 GMT

@Anonymous wrote:
Just wondering how many before they start to matter with them? Currently at 7 on my TU and wondering if I should wait til they fall off. DPs for other issuers is welcomed also.

My TU is a Navy graveyard. They dont mind hps , nor do they seem to mind giving them

Re: How Sensitive is Navy to Inquires

Loquat — Sun, 23 Feb 2020 20:19:28 GMT

If you get a denial from NFCU and inquiries were sites as the reason, trust me, there were other factors and they just tossed that in there to waste more ink on paper.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 20:33:21 GMT

@Loquat wrote:
If you get a denial from NFCU and inquiries were sites as the reason, trust me, there were other factors and they just tossed that in there to waste more ink on paper.

Thank you: I'm just going to wait until June after I've have 6 statements. Also, any DPs on which issuers limit match. I know it's not a factor with Navy, but I'm wondering about how (besides running a lot of spend thru) to get my Quicksilver to have a usuable limit. Will they take into account my discover limits when it comes time to request a CLI?

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 20:38:49 GMT

@Anonymous wrote:
@Loquat wrote:
If you get a denial from NFCU and inquiries were sites as the reason, trust me, there were other factors and they just tossed that in there to waste more ink on paper.
Thank you: I'm just going to wait until June after I've have 6 statements. Also, any DPs on which issuers limit match. I know it's not a factor with Navy, but I'm wondering about how (besides running a lot of spend thru) to get my Quicksilver to have a usuable limit. Will they take into account my discover limits when it comes time to request a CLI?

Capital One wants heavy use and they're known for bucketing people and not growing. It's generally not worth the hassle to grow their cards considering there are better options on the market.

Disco is the only limit matcher I have. When I got my NFCU Platinum card to $12,700 they gave me CLIs to $12,700 and it hasn't budged since.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 20:44:38 GMT

@Anonymous

Navy is not sensative to inq's at all, I have had double digit inq's and still got approvals. With Navy it's more about DTI and your history with them. Even members on here with high Util, but Large payemnts ahve seen new cards and CLI's with little issue. Income will play a factor in this as well for the DTI part.

Just getting started, IMHO i would give it 6 months to build up history with them more than anything. Once they see you are using and paying responsibly, the doors with Navy will open like a floodgate.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 20:49:32 GMT

Thank you. I feel like I have a good mix. The forums suggested starting with no AF cards early on so that even if some have toy limits that never grow I'll never have to close them. I'm sure Disco and my new Navy this summer will be my primary cards.

Re: How Sensitive is Navy to Inquires

Anonymous — Sun, 23 Feb 2020 20:54:27 GMT

@Anonymous wrote:
@Anonymous

Navy is not sensative to inq's at all, I have had double digit inq's and still got approvals. With Navy it's more about DTI and your history with them. Even members on here with high Util, but Large payemnts ahve seen new cards and CLI's with little issue. Income will play a factor in this as well for the DTI part.
Just getting started, IMHO i would give it 6 months to build up history with them more than anything. Once they see you are using and paying responsibly, the doors with Navy will open like a floodgate.

Thank you for this!!

Re: How Sensitive is Navy to Inquires

Guyatthebeach — Tue, 25 Feb 2020 01:40:17 GMT

Navy Federal is not inquiry sensitive as long as you have a great relationship with them. I just got approved for a flagship Visa with them after being a member for a few years.

I had 9 TransUnion inquires.

Guyatthebeach

Re: How Sensitive is Navy to Inquires

AverageJoesCredit — Tue, 25 Feb 2020 16:04:36 GMT

@Guyatthebeach wrote:
Navy Federal is not inquiry sensitive as long as you have a great relationship with them. I just got approved for a flagship Visa with them after being a member for a few years.

I had 9 TransUnion inquires.

Guyatthebeach

I have more Navy pulls on my TU then you have total #NotPullingYourLeg☺️

Re: How Sensitive is Navy to Inquires

Anonymous — Wed, 26 Feb 2020 03:09:46 GMT

For anyone looking for info on Navy, i posted this in the Navy forum..

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/5928693#M256795

Re: How Sensitive is Navy to Inquires

Anonymous — Thu, 27 Feb 2020 03:16:42 GMT

@AverageJoesCredit wrote:
@Guyatthebeach wrote:
Navy Federal is not inquiry sensitive as long as you have a great relationship with them. I just got approved for a flagship Visa with them after being a member for a few years.

I had 9 TransUnion inquires.

Guyatthebeach
I have more Navy pulls on my TU then you have total #NotPullingYourLeg☺️

@AverageJoesCredit So we are comparing our... INQ's

Sadly, i have been good as of lately, so i'm finally under 30.. but the I got when i had over 100 was priceless

Re: How Sensitive is Navy to Inquires

addicted_to_credit — Thu, 27 Feb 2020 04:57:37 GMT

In short they're not at all, see my siggy.. there's more inq's on my tu than what's there. As others have said, all they really care about is a positive relationship.... you swipe and pay.... wash, rinse and repeat then the flood gate opens up for you just keep your dti in check every where else.

Re: How Sensitive is Navy to Inquires

mrfufoppss — Thu, 27 Feb 2020 16:44:26 GMT

I have enough Inquirys To Build a Home

Navy in my opinion is more concerned with (Relationship) and DTI if you keep those two in good standing Navy will treat you right i was also told by a CSR after you Have one Year of History with Navy the Flood gates open if everything is in order also i was told all CLI will be SPs after you had a one Year History with them

Re: How Sensitive is Navy to Inquires

Anonymous — Thu, 27 Feb 2020 17:33:52 GMT

Not sensitive at all. I have 12 inquires. Was recently approved for a large auto loan and CLI on 2 of 3 CCs (awaiting review for 3rd).