NFCU More Rewards

[Anonymous]

@Zig32 Your TU score is definitely good enough. As far as the lates, that may/may not effect the starting limit. The underwriting is the same for all of the cards with the exception of the Flagship. IMHO I would chose anything but the Flagship as a first card until you have some more history with them and there is even more distance on those lates. Don't bother with the pre-qual on their site, it's worthless. Just apply online or through the app. Even a low starting limit gets the history building underway and you never know with Navy. They may surprise you with a better SL than you are expecting.

Please keep us in the loop if you decide to apply and if so, my fingers are crossed for some nice success with your first card! 

[Zig32]

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@Anonymous wrote:

@Zig32 Your TU score is definitely good enough. As far as the lates, that may/may not effect the starting limit. The underwriting is the same for all of the cards with the exception of the Flagship. IMHO I would chose anything but the Flagship as a first card until you have some more history with them and there is even more distance on those lates. Don't bother with the pre-qual on their site, it's worthless. Just apply online or through the app. Even a low starting limit gets the history building underway and you never know with Navy. They may surprise you with a better SL than you are expecting.

Please keep us in the loop if you decide to apply and if so, my fingers are crossed for some nice success with your first card! 

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Thanks . I will apply after my scores update in October . I will keep you in the loop . Thanks for your help 

[M_Smart007]

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@Zig32 wrote:

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@Anonymous wrote:

@Zig32 Your TU score is definitely good enough. As far as the lates, that may/may not effect the starting limit. The underwriting is the same for all of the cards with the exception of the Flagship. IMHO I would chose anything but the Flagship as a first card until you have some more history with them and there is even more distance on those lates. Don't bother with the pre-qual on their site, it's worthless. Just apply online or through the app. Even a low starting limit gets the history building underway and you never know with Navy. They may surprise you with a better SL than you are expecting.

Please keep us in the loop if you decide to apply and if so, my fingers are crossed for some nice success with your first card! 

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Thanks . I will apply after my scores update in October . I will keep you in the loop . Thanks for your help 

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While your overall profile is important, one thing Navy really looks at is your "Debt to Income ratio"

[Zig32]

Thanks . I'm looking into that now 

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@M_Smart007 wrote:

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@Zig32 wrote:

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@Anonymous wrote:

@Zig32 Your TU score is definitely good enough. As far as the lates, that may/may not effect the starting limit. The underwriting is the same for all of the cards with the exception of the Flagship. IMHO I would chose anything but the Flagship as a first card until you have some more history with them and there is even more distance on those lates. Don't bother with the pre-qual on their site, it's worthless. Just apply online or through the app. Even a low starting limit gets the history building underway and you never know with Navy. They may surprise you with a better SL than you are expecting.

Please keep us in the loop if you decide to apply and if so, my fingers are crossed for some nice success with your first card! 

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Thanks . I will apply after my scores update in October . I will keep you in the loop . Thanks for your help 

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While your overall profile is important, one thing Navy really looks at is your "Debt to Income ratio"

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[coldfusion]

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@Zig32 wrote:

Thanks . I'm looking into that now 

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Yes you need to confirm your DTI.  .42 is on the fringe especially with a credit union.

[Zig32]

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I did the math over . It's 0.28 , I used my last credit payments instead of the minimums previously .

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@coldfusion wrote:

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@Zig32 wrote:

Thanks . I'm looking into that now 

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Yes you need to confirm your DTI.  .42 is on the fringe especially with a credit union.

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[coldfusion]

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@Zig32 wrote:

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I did the math over . It's 0.28 , I used my last credit payments instead of the minimums previously .

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@coldfusion wrote:

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@Zig32 wrote:

Thanks . I'm looking into that now 

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Yes you need to confirm your DTI.  .42 is on the fringe especially with a credit union.

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That's a huge improvement.

[Anonymous]

@Zig32 

Hope you are okay! Yikes!

Congrats on the auto loan and the new card!!! Make sure to start an approval thread for some serious congrats my friend!! Very nice! 😉

[Zig32]

Yea I'm fine .  No injuries . And I will 

[CreditCuriosity]

Locking post and just moved it to auto loan approval..  Feel free to create and approval in CC section as well if you would like to share your experience, stats, etc..