cancel
Showing results for 
Search instead for 
Did you mean: 

Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

AverageJoesCredit
Mega Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products


@Remedios wrote:

Please, save "congratulations" for the actual approval threads, or this one will become "too long to read" in no time. 

 

Asking for additional DPs and having conversations while congratulating someone is perfectly fine, but "congrats only" posts belong in approvals. 

 

 


This,  +1 Cmon guys and gals, please take a moment to actually read the preface of this threadSmiley Wink.  Thanks and  enjoy the new threadSmiley Happy

Message 11 of 657
WannaBcreditNerd
Frequent Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

A new beginning. Glad I seen that before it was placed too far down the road. I never new NFCU was using TU9 until reading about the new thread.

Thank you for the new thread already learned something new.

05/2020 Starting Credit Score: 453 with 15 baddies

6/04/2020 Started Rebuild no credit cards at the time of starting rebuild

7/27/2020 received 3 of 3 secure cards: Total Credit Limit: $1,200

1/24/2021 Fico 8: EQ 633, EX 644, TU 634

1/28/2021 Vantage AMX; 616

4/8/2021 4 CC Total CL $4,200 and 1 ssl 1 hard pull; 3 secured cc 1 unsecured cc; down to 4 baddies: like ooo weee making progresss

5/10/2021 Fico Scores: EQ 663, EX 671, TU 661

12/31/2021 goal: No Baddies Have all unsecured ccs: have a total of 4 with a cl goal of 40k. Each card goal 10k. Only seeking major cards.

Credit Score Goal 720 at some point all smiles no date

Message 12 of 657
Duke_Nukem
Established Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

Ahhhh, jumping into this new NFCU thread with my patented CANONBALL to get my feet wet!

 

Was just approved for NFCU Platinum with a SL $25,000 @ 5.99% !  My 1st NFCU card!  Woohoo!

Will post in the Approvals thread later for the "congrats", but here are a few DP's to digest...

  • NFCU member for over 2 years
  • Have checking, savings, and Special CD.  It was my main checking account until very recently.
  • Inquiries (# / months): 0/3, 1/6, 3/12, 3/24
  • # of new CC's on credit reports (# / months): 0/3, 5/6, 5/12 (my new Affinity CC hasn't reported yet)
  • ETA:  forgot a biggie... TU was 749 on 5/1 and probably unchanged since
  • Also, BK7 from 2012 still on reports
  • UTI < 1%

NFCU Platinum Approval.jpg


Message 13 of 657
Merc1776
Valued Member

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products


@Duke_Nukem wrote:

Ahhhh, jumping into this new NFCU thread with my patented CANONBALL to get my feet wet!

 

Was just approved for NFCU Platinum with a SL $25,000 @ 5.99% !  My 1st NFCU card!  Woohoo!

Will post in the Approvals thread later for the "congrats", but here are a few DP's to digest...

  • NFCU member for over 2 years
  • Have checking, savings, and Special CD.  It was my main checking account until very recently.
  • Inquiries (# / months): 0/3, 1/6, 3/12, 3/24
  • # of new CC's on credit reports (# / months): 0/3, 5/6, 5/12 (my new Affinity CC hasn't reported yet)
  • ETA:  forgot a biggie... TU was 749 on 5/1 and probably unchanged since
  • Also, BK7 from 2012 still on reports
  • UTI < 1%

NFCU Platinum Approval.jpg


Was the 1st cards CL decent you had at NFCU?

Message 14 of 657
FinStar
Moderator

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products


@Remedios wrote:

Please, save "congratulations" for the actual approval threads, or this one will become "too long to read" in no time. 

 

Asking for additional DPs and having conversations while congratulating someone is perfectly fine, but "congrats only" posts belong in approvals. 

 


Adding to the above, and for a more seamless interaction, please be sure to use the "quote" feature (if applicable) so that members know which post and who you are replying to.  As far as the "congratulations only" piece, just kudo the post -- no need to clutter things up 😉

Message 15 of 657
collics
Frequent Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

Question: What's the difference, or benefit, of the Cash Rewards being Visa Signature?

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Oct 2 2021


Message 16 of 657
Jazee
Regular Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

Regarding CLIs seems the consensus they are currently soft pulls. I requested on my Platinum after 100 days right after Visa Signature approval.  I locked my TU file to be safe.  No instance response so I assume it's probably a denial.  I never read anything about 181 days for CLI's until I saw it in the summary info on this new thread.  So new cards are 91 days (3 full statements) and CLIs on a new card are basically 6 statements?  I suppose with my file locked, no harm no foul for being premature on the Platinum CLI request and I'll just wait 3 more statements.

 

Message 17 of 657
Falcon9
Established Member

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

Jazee, the FIRST chance to request a CLI on a new card is supposedly 91 days/three statements then goes to six months (statements?) for subsequent CLIs.

 

Message 18 of 657
FloridaBoi
Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products


@Falcon9 wrote:

Jazee, the FIRST chance to request a CLI on a new card is supposedly 91 days/three statements then goes to six months (statements?) for subsequent CLIs.

 


There's no "supposedly" to it. 38E4B3F9-7C36-4E0D-945D-908C4E005BD2.jpeg

 

028067E0-6E12-43FC-B7B9-7205FEC61994.jpeg

 





Message 19 of 657
M_Smart007
Epic Contributor

Re: Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products


@collics wrote:

Question: What's the difference, or benefit, of the Cash Rewards being Visa Signature?


@collics..Usually the big one is; being able to charge over your CL within a monthly statement cycle.

Message 20 of 657
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.