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Is this some sort of joke?!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Is this some sort of joke?!

Guys, I’m in shock right now.

My scores are listed in my signature, not great at all. I’m a year into my rebuild. I’ve had a secured card with NFCU since last March with a 500 limit. It’s even been maxed for a few months but lately I’ve been maxing it and paying off several times a month. I have a FH Account with a 1300 limit I’ve had for a year and I just got a $300 limit card with capital one in January.

I also have 2 closed cards with Navy Federal with $8000 balances each remaining. I have SIX collection accounts and multiple charge offs. All of this is from a quick and unfortunate financial hardship 2.5 years ago.

I applied today for a Flagship CC with the goal of adding my fiancé as an AU to lower his utilization rate so we can get a little closer to buying a home. They instantly denied me. I decided to send a recon. And I just got this back:

“Thank you for your message. We are pleased to inform you that your recent credit card application has been approved. Your new Signature Flagship Visa has been issued to your address of record and should be received within approximately 7 to 10 days.. Your new credit limit is 25k. We ask that you please do not reply to this application message as this messaging service is strictly for checking the status of a submitted application.”

DOES THAT SAY TWENTY FIVE THOUSAND?!

You guys, this is an error right? Did they mean 2500? Did they send me a message meant for someone else? Should I call them to verify this?
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 1 of 43
42 REPLIES 42
Regular Contributor

Re: Is this some sort of joke?!

Congratulations.  If you think the SL was a mistake, then let them find the mistake, why would you want to point them to the potential mistake?



Message 2 of 43
Regular Contributor

Re: Is this some sort of joke?!

The other weird thing is I haven’t received any notifications of a HP. Normally when I apply for credit my email gets flooded with notifications.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 3 of 43
Community Leader
Senior Contributor

Re: Is this some sort of joke?!


@cali_alli wrote:
Guys, I’m in shock right now.

My scores are listed in my signature, not great at all. I’m a year into my rebuild. I’ve had a secured card with NFCU since last March with a 500 limit. It’s even been maxed for a few months but lately I’ve been maxing it and paying off several times a month. I have a FH Account with a 1300 limit I’ve had for a year and I just got a $300 limit card with capital one in January.

I also have 2 closed cards with Navy Federal with $8000 balances each remaining. I have SIX collection accounts and multiple charge offs. All of this is from a quick and unfortunate financial hardship 2.5 years ago.

I applied today for a Flagship CC with the goal of adding my fiancé as an AU to lower his utilization rate so we can get a little closer to buying a home. They instantly denied me. I decided to send a recon. And I just got this back:

“Thank you for your message. We are pleased to inform you that your recent credit card application has been approved. Your new Signature Flagship Visa has been issued to your address of record and should be received within approximately 7 to 10 days.. Your new credit limit is 25k. We ask that you please do not reply to this application message as this messaging service is strictly for checking the status of a submitted application.”

DOES THAT SAY TWENTY FIVE THOUSAND?!

You guys, this is an error right? Did they mean 2500? Did they send me a message meant for someone else? Should I call them to verify this?

Navy can be awesome like that, and we have seen it before.   Congrats on the great SL.  




Message 4 of 43
Senior Contributor

Re: Is this some sort of joke?!

UW must be feeling very generous today lol. Congrats, that’s crazy considering why you have those two closed accounts!


Scores 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 5 of 43
Regular Contributor

Re: Is this some sort of joke?!

Seriously! I just sent a screenshot of the approval to my fiancé and told him I think I’m getting scammed by NFCU haha
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 6 of 43
Community Leader
Senior Contributor

Re: Is this some sort of joke?!


@cali_alli wrote:
Guys, I’m in shock right now.

My scores are listed in my signature, not great at all. I’m a year into my rebuild. I’ve had a secured card with NFCU since last March with a 500 limit. It’s even been maxed for a few months but lately I’ve been maxing it and paying off several times a month. I have a FH Account with a 1300 limit I’ve had for a year and I just got a $300 limit card with capital one in January.

I also have 2 closed cards with Navy Federal with $8000 balances each remaining. I have SIX collection accounts and multiple charge offs. All of this is from a quick and unfortunate financial hardship 2.5 years ago.

I applied today for a Flagship CC with the goal of adding my fiancé as an AU to lower his utilization rate so we can get a little closer to buying a home. They instantly denied me. I decided to send a recon. And I just got this back:

“Thank you for your message. We are pleased to inform you that your recent credit card application has been approved. Your new Signature Flagship Visa has been issued to your address of record and should be received within approximately 7 to 10 days.. Your new credit limit is 25k. We ask that you please do not reply to this application message as this messaging service is strictly for checking the status of a submitted application.”

DOES THAT SAY TWENTY FIVE THOUSAND?!

You guys, this is an error right? Did they mean 2500? Did they send me a message meant for someone else? Should I call them to verify this?

I say don’t look a gift horse in the mouth! I do say log into your account. It should populate in a few hours. 

 

Congratulations and do the baby dance. WooHoo

GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 7 of 43
Senior Contributor

Re: Is this some sort of joke?!

Congrats on your approval and monster SL !!!!!!

Navy Strikes Again

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 43
Frequent Contributor

Re: Is this some sort of joke?!

Wow. Big SL!!! Congrats 🥂
Message 9 of 43
Established Contributor

Re: Is this some sort of joke?!

Question.....the two closed NFCU cards with 8000 balance....did you close them or are the in default and closed ?

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 10 of 43