Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Shooting-For-800 wrote:

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@AverageJoesCredit wrote:
Let me help speed it up a bit lol.

@Shooting-For-800, can you let us know what the ult refers to in your post. Abit of confusion. Thank you and sorry for denial

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15% utilization of limits

(0% interest promotion)

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Unfortunately that’s probably why they said no. High revolving debt will kill your chances with CUs since they tend to weigh outright numbers instead of percentages. 

[Anonymous]

Had me over here hyperventilating...I will be applying at the end of the month with most likely 6 percent utl for the Flagship... but that equates to around 500 on my CR... Lol. 15 percent on 200k is a much different story.

Ive been preaching lately about how every file is completely different and I think that holds true here.

Keep us posted on the letter 800!

[AverageJoesCredit]

Thanks 800. So are you carrying 30k of balances then? I know its at 0% but perhaps Navy just doesnt like seeing that on paper.

No worries @Anonymous, youll be Senior in no time. Used to be rare to see a Super, lol, now they are popping up like weeds haha. Youve seen the dynamic duo Simply Remmy? Thats the nu nu😄

[AverageJoesCredit]

@Anonymous, you made a good point about Flagship. Even i might pause before throwing out an app to see if it sticks if they truely factor the SUB into the equation. I have no problem letting a SUB go. Lol, and sadly, i was unable to complete my CR SUB at begining but unlike many SUB mariners, ill live if i dont dive deep

[Anonymous]

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@Anonymous wrote:
Had me over here hyperventilating...I will be applying at the end of the month with most likely 6 percent utl for the Flagship... but that equates to around 500 on my CR... Lol. 15 percent on 200k is a much different story.

Ive been preaching lately about how every file is completely different and I think that holds true here.

Keep us posted on the letter 800!

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Yeah I think that we tend to get FICO focused here and stop looking at raw numbers. 

When the average person has 2.6 credit cards with total limits of $13544 in the 661 to 780 FICO range, those of us here are massive outliers. 

[Shooting-For-800]

Pretty stupid of them to not ask me about it.

In 5 minutes Icould have sent them a checking account statement with more than that it in.

Should I apply for different NCFU card?

I mean this is silly.  I would understand more if people with scores below 600 were not getting approved.

Right now I am prequaled for US Bank Siggy, Regions Premium Siggy, etc.

I just got a CLI on PayPal and Discover this week so there is no big surprise on my reports.

[UncleB]

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@AverageJoesCredit wrote:
@Anonymous, you made a good point about Flagship. Even i might pause before throwing out an app to see if it sticks if they truely factor the SUB into the equation. I have no problem letting a SUB go. Lol, and sadly, i was unable to complete my CR SUB at begining but unlike many SUB mariners, ill live if i dont dive deep

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I will be surprised if there's a difference in UW, otherwise it wouldn't make sense how easily they let you PC to/from the Flagship.

(Other than the $5k minimum credit line, of course.)

[Anonymous]

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@AverageJoesCredit wrote:
@Anonymous, you made a good point about Flagship. Even i might pause before throwing out an app to see if it sticks if they truely factor the SUB into the equation. I have no problem letting a SUB go. Lol, and sadly, i was unable to complete my CR SUB at begining but unlike many SUB mariners, ill live if i dont dive deep

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I don’t think NFCU would think twice about giving it to you if they can qualify you for the $5K minimum, I’m just talking new members that go straight for the Flagship. It seems like NFCU doesn’t want to chance churning on that card so they want a relationship. 

[Anonymous]

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@Shooting-For-800 wrote:

Pretty stupid of them to not ask me about it.

In 5 minutes Icould have sent them a checking account statement with more than that it in.

Should I apply for different NCFU card?

I mean this is silly.  I would understand more if people with scores below 600 were not getting approved.

Right now I am prequaled for US Bank Siggy, Regions Premium Siggy, etc.

I just got a CLI on PayPal and Discover this week so there is no big surprise on my reports.

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I would try for a lower card. Wait til you get the letter though to make sure that’s the reason and not something else. 

[Anonymous]

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@UncleB wrote:

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@AverageJoesCredit wrote:
@Anonymous, you made a good point about Flagship. Even i might pause before throwing out an app to see if it sticks if they truely factor the SUB into the equation. I have no problem letting a SUB go. Lol, and sadly, i was unable to complete my CR SUB at begining but unlike many SUB mariners, ill live if i dont dive deep

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I will be surprised if there's a difference in UW, otherwise it wouldn't make sense how easily they let you PC to/from the Flagship.

(Other than the $5k minimum credit line, of course.)

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Isn’t that a difference in UW in and of itself? NFCU would have shot me down in September if I went for the Flagship since they could only give me a $3K SL but I could have gone for the Flagship in December with the $7200 they gave me on the Platinum.