Sounds like you have a thin file. When did you open your accounts?
Dont depend on AU accounts. Too much stock in those can make one over confident and many lenders look past them anyway. With no bk or derogs , definetly sounds like thin file. If you have good income PF and Navy will come around. I would go after a bank cc then come back in 6 months gunz a blazin
. Discover and Amex are excellent choices. If not check your local bank or local CU. I dont put much stock in scores by the way, ive been denied plenty with 750s or even 800 fico 9s but as time goes by, approvals and better limits do come. Good luck.
@Anonymous wrote:My credit one which is a year and a half.
I know I'm younger but I've seen with much lower scores and things get something? I figured after my 90 days on my Nrewards navyfed would throw me a bone but obviously not. I did apply before my 90 but I guess it doesn't matter
Your scores are only part of the approval. You don't have the established history or the existing limits to get what you want. Try some lenders that are thin file friendly like disco and amex. If you're worried about not getting a big enough limit, there's always the amex charge cards. I probably wouldn't bother with navy again for a while. You might end up with a $1k limit.
Yea scores aren't everything. You just need time and patience. Grow your existing cards, perhaps try for Amex or Discover as suggested, but otherwise you just need to age your file and slowly add accounts.
