topic Re: Navy Pre-Qualification Tool in Credit Cards

Navy Pre-Qualification Tool

Anonymous — Fri, 04 Jun 2021 23:57:00 GMT

I am sure this has already been posted, but I just noticed Navy now has pre-approval suugestions for their credit cards. New to me. I hope this is helpful if anyone didn't know.

Re: Navy Pre-Qualification Tool

blindambition — Fri, 04 Jun 2021 23:57:16 GMT

Navy has always had a pre-qual tool, but take suggestions with a grain of salt.

Not the most reliable, or guaranteed. The forums are a more reliable tool. 😉

Re: Navy Pre-Qualification Tool

coldfusion — Fri, 04 Jun 2021 23:57:32 GMT

@Anonymous wrote:
I am sure this has already been posted, but I just noticed Navy now has pre-approval suugestions for their credit cards. New to me. I hope this is helpful if anyone didn't know.

The thing with Navy preapprovals is that since they started providing them a critical mass of data points has been gathered showing that they are unreliable. I haven't seen anyone claim that this has been addressed.

Re: Navy Pre-Qualification Tool

Mr_Mojo_Risin — Fri, 04 Jun 2021 23:57:48 GMT

@Anonymous wrote:
I am sure this has already been posted, but I just noticed Navy now has pre-approval suugestions for their credit cards. New to me. I hope this is helpful if anyone didn't know.

They've had it for awhile now. It's not reliable and probably shouldn't be trusted.

That's the only thing wrong with Navy, that's it. They're the best, I love them 😅

Re: Navy Pre-Qualification Tool

AverageJoesCredit — Fri, 04 Jun 2021 23:58:25 GMT

@blindambition wrote:
Navy has always had a pre-qual tool, but take suggestions with a grain of salt.
Not the most reliable, or guaranteed. The forums are a more reliable tool. 😉

Actually, this is rather new.They did not have a prequal tool when i joined in 2017. Ill sum up their prequal like this, if you get approved, it works, if you get declined, its a BOA prequal😁

Re: Navy Pre-Qualification Tool

Anonymous — Fri, 04 Jun 2021 23:58:43 GMT

@Anonymous wrote:
I am sure this has already been posted, but I just noticed Navy now has pre-approval suugestions for their credit cards. New to me. I hope this is helpful if anyone didn't know.

Not reliable at all. When I was applying over the phone for the Flagship (my 3rd Navy card) even the customer service rep with Navy said to me it was not reliable. She stated she had seen people get pre approved but then denied once they applied. Take it with a grain of salt.

Re: Navy Pre-Qualification Tool

Brian_Earl_Spilner — Fri, 04 Jun 2021 23:58:58 GMT

It works enough to tell me I'm only pre-qualified for a secured card since I'm at my maximum internal limit.

Re: Navy Pre-Qualification Tool

Anonymous — Fri, 04 Jun 2021 23:59:16 GMT

@Brian_Earl_Spilner wrote:
It works enough to tell me I'm only pre-qualified for a secured card since I'm at my maximum internal limit.

Brian Earl Spilner, sounds like a serial killer. Is that what you are?

But yeah their pre-qual tool is wortless. They said I was good to go for all products when I knew very well I wasn't.

Re: Navy Pre-Qualification Tool

Trooper2003 — Fri, 04 Jun 2021 23:59:38 GMT

Does anyone know how reliable the prequalify tool on the Navy Federal website?I just became a member put in my info and it said I Prequalified for all their cards. Thanks for all the advice and feedback here! You guys are great!!!

Re: Navy Pre-Qualification Tool

Anonymous — Fri, 04 Jun 2021 23:59:53 GMT

@Trooper2003 wrote:
Does anyone know how reliable the prequalify tool on the Navy Federal website?I just became a member put in my info and it said I Prequalified for all their cards. Thanks for all the advice and feedback here! You guys are great!!!

Unreliable

Re: Navy Pre-Qualification Tool

Mr_Mojo_Risin — Sat, 05 Jun 2021 00:00:07 GMT

@Trooper2003 wrote:
Does anyone know how reliable the prequalify tool on the Navy Federal website?I just became a member put in my info and it said I Prequalified for all their cards. Thanks for all the advice and feedback here! You guys are great!!!

The pre-qualify tool is not very reliable. Many members have pre-qualified and went on to be denied.

Lots of DP's to support this in the old Navy thread.

Re: Navy Pre-Qualification Tool

Brian_Earl_Spilner — Sat, 05 Jun 2021 00:01:50 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
It works enough to tell me I'm only pre-qualified for a secured card since I'm at my maximum internal limit.
Brian Earl Spilner, sounds like a serial killer. Is that what you are?

But yeah their pre-qual tool is wortless. They said I was good to go for all products when I knew very well I wasn't.

I'll take the tuna on white, no crust

Re: Navy Pre-Qualification Tool

Mr_Mojo_Risin — Sat, 05 Jun 2021 19:54:43 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
It works enough to tell me I'm only pre-qualified for a secured card since I'm at my maximum internal limit.
Brian Earl Spilner, sounds like a serial killer. Is that what you are?

But yeah their pre-qual tool is wortless. They said I was good to go for all products when I knew very well I wasn't.

"Is that what you are" **bleep**, Haha

Re: Navy Pre-Qualification Tool

USMC_Winger — Mon, 07 Jun 2021 05:45:10 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
It works enough to tell me I'm only pre-qualified for a secured card since I'm at my maximum internal limit.
Brian Earl Spilner, sounds like ...

Brian's name reminds me of Erle Stanley Gardner, the brilliant Perry Mason author. When I was stationed at Camp Pendleton, I was invited to spend weekends at his former author's studio in Temecula, California. Best place ever to write or study!

But yeah their pre-qual tool is wortless. They said I was good to go for all products when I knew very well I wasn't.

Navy Fed's pre-qual web page isn't reliable. Don't believe it.

Re: Navy Pre-Qualification Tool

Anonymous — Tue, 15 Jun 2021 22:48:42 GMT

Thanks. I just opened my Navy account and prequalified for all cards. Good to know it's not the most reliable before I decide if I'll pull the trigger or wait.

Re: Navy Pre-Qualification Tool

EverForward — Tue, 15 Jun 2021 23:11:56 GMT

I ran the prequal tool today prior to my More Rewards approval. I was approved for all cards but knew better regarding the Flagship. I figured it was a gamble for the More Rewards, and thankfully I took it...

Re: Navy Pre-Qualification Tool

Nikita2008 — Tue, 15 Jun 2021 23:38:59 GMT

I can't speak for everyone else's experiences. I ran that tool back in February, and it said I was qualified for all cards. I want to say I was around 630 at that time. I didn't buy it at all. I ended up waiting 2 months more before applying. I was around 687 when I applied, and still didn't think I'd be approved. I was approved for 15k

Re: Navy Pre-Qualification Tool

AverageJoesCredit — Tue, 15 Jun 2021 23:55:51 GMT

I was preapproved for all cards back in Dec so i went with Plat #2 and was approved! So it definetly works.....

When you're approved 😁

Re: Navy Pre-Qualification Tool

LawStudentCivilis — Wed, 16 Jun 2021 18:31:21 GMT

@Nikita2008 wrote:
I can't speak for everyone else's experiences. I ran that tool back in February, and it said I was qualified for all cards. I want to say I was around 630 at that time. I didn't buy it at all. I ended up waiting 2 months more before applying. I was around 687 when I applied, and still didn't think I'd be approved. I was approved for 15k

Congrats. I don't find much rhyme or reason when I review DP's for Navy. I still have no idea what their ideal profile looks like. What other accounts did you have with Navy before you applied?