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NFCU Flagship denial

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Roadgeek395
Regular Contributor

Re: NFCU Flagship denial


@dragontears wrote:

@Roadgeek395 wrote:

@AverageJoesCredit wrote:

@Roadgeek395 wrote:

I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.


Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income. 


Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report. 


Objectively, does your credit profile merit a card with a 5k starting limit? 


My More Rewards had a 5.5k SL

Message 11 of 16
AverageJoesCredit
Legendary Contributor

Re: NFCU Flagship denial


@dragontears wrote:

@Roadgeek395 wrote:

@AverageJoesCredit wrote:

@Roadgeek395 wrote:

I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.


Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income. 


Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report. 


Objectively, does your credit profile merit a card with a 5k starting limit? 


Sometimes i wonder if all 5k limits are created the same lol. Once upon a time i apped for FS just to see if i could get it and i had various 5k limits in my profile yet i was still denied for not meeting that standard.   Strange beast those cards that must qualify for a sl of 5kSmiley Wink

Message 12 of 16
greatscott85
Frequent Contributor

Re: NFCU Flagship denial

One thought here. You could always apply for a different card and then PC to the Flagship after sometime. That's what happened to me as I had an older version of the GoRewards and the MoreRewards. The GoRewards wasn't really doing anything for me. I think it was around 1 year that I PC'd to Flagship. You would lose the SUB. But if you really wanted the Flagship, this is a possible way. 

Message 13 of 16
OmarGB9
Community Leader
Super Contributor

Re: NFCU Flagship denial


@Roadgeek395 wrote:

@dragontears wrote:

@Roadgeek395 wrote:

@AverageJoesCredit wrote:

@Roadgeek395 wrote:

I'm at 99/3. I thought everything was going great. What did I do wrong? So disappointing.


Most likely you didnt do anything wrong but you need to provide more context on your current credit profile to get any meaningful responses. Navy approvals and cli are not gaurenteed for any of us, regardless of score or income. 


Scores are 750s across the board. Currently have 4 revolving accounts and 1 installment account. 7 inquiries in the past 24 months. No negative remarks on any report. 


Objectively, does your credit profile merit a card with a 5k starting limit? 


My More Rewards had a 5.5k SL


Do you have any other cards from other lenders that have a $5k+ CL? Because if Navy is the only one, then more than likely they just aren't comfortable with giving you another $5k+ card right now.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 14 of 16
pakratus
Contributor

Re: NFCU Flagship denial


@OmarGB9 wrote:


Do you have any other cards from other lenders that have a $5k+ CL? Because if Navy is the only one, then more than likely they just aren't comfortable with giving you another $5k+ card right now.


My example of this-  My first card, Cash Rewards, $25k.  Second card, More Rewards, I only got 1k. 

Message 15 of 16
Roadgeek395
Regular Contributor

Re: NFCU Flagship denial

Thanks for all your information and ideas. I think I'll wait a few more months and try again. 

 

On a positive note I got a CLI on my More Rewards CC. $8k CLI. For a new limit of $13.5k

I went for the CLI after the Flagship denial.

Message 16 of 16
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