Hey , Navy fed is an awesome CU and really do help those rebuilding , my fiancé and I both joined in July , we both just started our credit repair and building journey at the first of this year , although we have made huge strides we are not yet where we want to be , but when we joined we both opened checking and savings. And both apped for CashRewards cc , he got an instant approval for a SL of 1600 , I know it's not alot but his scores at the time for TU were only 614, and this was his very first unsecured line of credit besides store card .
My scores were higher being 643 but I still had my SL showing as default , I had only a few payments left on my rehab when I joined Navy fed , I should have waited until I was done I know but I went ahead and apped for cash rewards cc and was initially denied .
I sent them a message asking to please reconsider their decision, and I told them of all the hard work I have put into my repair and building my credit and they approved mine but only with a 500 SL which is fine for my this was also my first unsecured line. Hope this helps , you can go on the big thread and read about diff ppl and their approvals and CLIs and all that . Good luck , also if you don't qualify for their regular eligibility you can get in thru Navy League San Diego chapter now .
