I think it is bogus. I was denied after a prequal last month, even after emails telling me to come back and apply. Their "offers" section is bogus as well.
@Shawn19AL wrote:This is how I feel @Brian_Earl_Spilner
Ive been with them 6 years. Lost my job in 2015. Had to let my secured card go. The deposit paid for most of it minus $46. I paid that and they let me back in. My new secured card graduated and went to $2000. I got a $800 increase after 6 months and then because of covid they gave me an additional $500. Only thing the prequal says I qualify for is another secured card.
Feels like I have an internal blacklist somewhere.
Well, you're not on a blacklist because they wouldn't have given you another card. I know people have said that after paying them back, it can be a long road to being treated "normal" again. Have you tried applying for a second product?
@ItsCASHual wrote:
@tbque wrote:@ItsCASHual Where did you find the Navy pre-qual? Was it on their website or when you were logged into your account?
Here's the link
https://digitalapps.navyfederal.org/prequal-member/
I thought I would take a look, just for kicks, but the link no worky for me. Oh well.... 
@Jannelo wrote:@Brian_Earl_Spilner Did you get a lot of credit cards within the past 12 or 24 months? I received the cashRewards CC in April, also with a low $500 SL. In a letter from them with my internal score, besides listing the derogatories on my credit report (lates on closed cards and paid charge-offs), they stated I had too many new accounts in the past 24 months. When I apped, I had a new Amazon Prime in the same month that had just reported. After being approved for Navy's credit card, the next month I got my BB&T credit card. So I don't plan to app for a second NFCU card until I have a year with no inquiries or new credit cards to give me a shot at a high SL. At least, that's my plan. LOL Reading about your low CLIs on your first card, I might be in for a rude-awakening myself as far as CLIs on my cashRewards. But at least I'm in.
Yes, but my file is so thick it doesn't matter. I had 5 new accounts reporting within 3 months prior to the Platinum approval. Including the Platinum, I just added another 3 cards before I got denied for inquiries by another lender. Didn't get denied for 8 new accounts in 4 or 5 months, got denied for 22 EX inquiries in the last 2 years.
@Anonymous wrote:
@ItsCASHual wrote:
@tbque wrote:@ItsCASHual Where did you find the Navy pre-qual? Was it on their website or when you were logged into your account?
Here's the link
https://digitalapps.navyfederal.org/prequal-member/
I thought I would take a look, just for kicks, but the link no worky for me. Oh well....
I would take the pre-qual link with a grain a salt.
@M_Smart007 wrote:
@Anonymous wrote:
@ItsCASHual wrote:
@tbque wrote:@ItsCASHual Where did you find the Navy pre-qual? Was it on their website or when you were logged into your account?
Here's the link
https://digitalapps.navyfederal.org/prequal-member/
I thought I would take a look, just for kicks, but the link no worky for me. Oh well....
I would take the pre-qual link with a grain a salt.
**Edit- Apparently it works via the mobile version of the site. Pre-qualled for all cards. Would be enticing if Flagship had a SUB. That will be my third card thru Navy.
I always do, but I like to take a look for the fun of it as I'm gardening till I'm back under 5/24 later this year. Didn't even get to try as the link didn't work. Just gave some error. Not the end of the world, as I would wait for Flagship until there is a SUB again.