Don’t take it personally.
Same happened to me.
I got denied for Flagship.
I applied for rewards card and got $1k SL
then I got CLI for Rewards to $3k
then I got Flagship $20k SL
then I got More Rewards Amex $15k SL
then I got CLI for Flagship CLI to $25k
all in less than a year.
You have to build a relationship with NFCU.
It can be done fast, but it has to be done.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!5% Rotating - Discover 5%-20% - Amazon & Lowes 3-6% Groceries - NFCU & Amex Preferred
You have a few options.
1. Accept the secured card.
2. Don't accept the secured card but have a wasted HP.
3. Send recon SM Secured Mesage for non-Flagship card.
4. You fill in the blanks.
As others have said, Flagship generally isn't the first navy card you get.
Quoted for +1 on your options
Hi OP and welcome to myFICO
You have gotten really excellent responses and I 100% agree with all of them. I just want to add my 2cents.
You said you have high limit cards with very low UT. Maybe, just maybe, NFCU foresaw thay you wouldnt use their card either and felt that at this moment in time they rather not give a limit to a brand new member who may not put spend on their card either. A $3K UT on $32K CL is less than 1%. Just something to think about.
What I gather here is that you may have simply applied for the card too soon.
There actually me be some sort of vetting process as they are a Credit Union and not a bank.
Trust me, in a couple of months you'll be glad you joined. Good Luck!
EQ.-743 | TU.-736 | EX.-706
My two cents:
My two cents:
- From what I've previously read, Navy is very sensitive to DTI, significantly more than score and/or utilization.
- I do not buy into the notion that one should apply for a different card first. I was approved for the Flagship Rewards as my first credit product with Navy and there are numerous posts from others with a similar experience.
- It's possible you may have simply applied too soon. I have only anecdotal evidence but one of the commonalities I saw with Flagship approvals (as a first card) was that people waited some time after joining before applying. In my case I waited about four months after joining NFCU before I applied.
Why wait and risk another denial when you can get a second card at 91/3?
Like others here, my first app with NFCU was for the Flagship and was denied. The reason being I didn't qualify for the minimum SL. On the recon call, the CSR confirmed that if I app for a different card, they'd use the same HP. I was instantly approved for 4,700 on the GoRewards.