Navy Federal Email Invitiation to Apply?

Anonymous · ‎07-12-2017

Last month my husband and I joined NFCU and were both turned down for credit cards. Neither of us has any pre-approved offers in the Offers section of their website. But today my husband got an email titled "Get Cash Back with cashRewards" and asking him to "Apply Now" for the cashRewards card.

Does this mean he has a good chance of getting it, or is this just a general email? I haven't received one, and I've been a member a few days longer than him, and his credit is slightly better than mine, but not by much.

Just hoping to avoid another hard pull for nothing, but we really want in with NFCU even if it's a low SL so we can prove ourselves.

JustBPatient · ‎07-12-2017

When I joined, I didnt apply for any credit products. They did send me a email after a while asking me to apply. So I did and was approved. Good luck!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745

Anonymous · ‎07-12-2017

Pulled the trigger. Declined. Why send us an email to apply if they are just going to deny us? Grr.

Scupra · ‎07-12-2017

Sucks that I got here too late! Most of the emails are just that, an invite to apply. Have you tried to recon the denial? I would send a very nice message asking for a recon to start with a low limit to prove yourself. Good luck!

Anonymous · ‎07-12-2017

We sent in a message requesting reconsideration and mentioning a few things such as 12 years of credit history, numerous positive accounts (mostly closed), never late on the car payment, 95% on-time payments, 26% utilization (which isn't too terrible) and attached proof of his full-time income as well as our side-business income which comes into my bank account. Fingers crossed. I really hate the thought of another hard pull for nothing, especially when my husband is really sensitive about his credit because he feels like the dings on his credit are hurting his family.