Navy Federal Thread for CLI and Additional Cards

[gjean78]

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@Anonymous wrote:

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@gjean78 wrote:

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@Anonymous wrote:

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@Peazmom wrote:

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@Anonymous wrote:

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

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Fingers crossed...this sounds like a good omen!

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*screams in excitement* 

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that's what I'm talking about! 💪🏾congratulations on your apapproval even though u ain't know you sl yet

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Celebrating with a blindfold on heheh!

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the new card look sick. I like what NFCU is doing. I'm gonna apply for one next year if they still have the same sign up bonus. 

[UncleB]

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@Anonymous wrote:

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I am!! I'm thinking it might be because I have a fraud alert requesting creditors to call me for ANY changes.. I've also read that sometimes it takes 20 minutes... Maybe I should give them a call in 30-45 mins saying I applied and have that alert and just wanted to verify to you that it was indeed me? 

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Just FYI, if you apply for new credit with a fraud alert something would be very wrong if you were to get an automatic approval, since the entire point of the fraud alert is to prevent those.

Congrats on your approval!

[Anonymous]

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@Anonymous wrote:

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@Peazmom wrote:

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@Anonymous wrote:

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

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Fingers crossed...this sounds like a good omen!

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*screams in excitement* 

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Congrats on your approval!  You should be getting an email with the limit and how to use it right away before you get the physical card. 

[Anonymous]

You've been approved for a Navy Federal More Rewards American Express� Card with a credit limit of $1000.00. Your APR is 14.99%.

not what I was expecting.

Is recon possible? This'll make the $3k spend bonus more fun I guess lol.

[FinStar]

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@Anonymous wrote:

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@CreditInspired wrote:

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@Anonymous wrote:

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@Peazmom wrote:

@513credit, now I'm refreshing my screen waiting for your update!  LOL

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Just got an alert from credit karma, they also pulled my EQ.. uh oh.. I have 5 inquiries on there vs the 2 on my TU. 

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How does your DTI look?

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Sareen helped me with this the other week, I can't remember.. but I take home $44,800 before tax, $750 in rent, $500ish in bills/mo and $550ish-$600 in debt out of my $4,275 credit line.

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You mention TCL $4,275, but an 8/16 thread in the Approvals forum you indicated a 5/3 TRIO approval?  Was that a fluke or true event? 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/5-3-Trio-15-500/m-p/5714156

[Peazmom]

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@Anonymous wrote:

You've been approved for a Navy Federal More Rewards American Express� Card with a credit limit of $1000.00. Your APR is 14.99%.

not what I was expecting.

Is recon possible? This'll make the $3k spend bonus more fun I guess lol.

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I've had no experience with the recon, so someone else would need to speak to that, but you got a decent interest rate.  Navy is all about the relationship...so when 91/3 rolls around and if you choose to pull the trigger on card number 2 you may be knock off your feet!

[FinStar]

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@Anonymous wrote:

You've been approved for a Navy Federal More Rewards American Express� Card with a credit limit of $1000.00. Your APR is 14.99%.

not what I was expecting.

Is recon possible? This'll make the $3k spend bonus more fun I guess lol.

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What about the positive vibes?  An approval is an approval.  Worse case scenario, declined or $500.   You can try to SM Navy to see whether the account can be reconsidered for a higher CL, but temper your expectations.   Plenty of folks would be happy for a $1K approval. 

[CreditInspired]

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@Anonymous wrote:

You've been approved for a Navy Federal More Rewards American Express� Card with a credit limit of $1000.00. Your APR is 14.99%.

not what I was expecting.

Is recon possible? This'll make the $3k spend bonus more fun I guess lol.

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This is way better than a denial. You can send NFCU a SM and ask. Let them know how excited you are to be in with NFCU and that you were hoping for a $3K SL and you would like them to take another look. Otherwise it's 91 days/3 statements and another HP.

On another note, I saw where you requested a CLI on another card and was declined. It may be time to garden.

[CreditInspired]

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@FinStar wrote:

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@Anonymous wrote:

You've been approved for a Navy Federal More Rewards American Express� Card with a credit limit of $1000.00. Your APR is 14.99%.

not what I was expecting.

Is recon possible? This'll make the $3k spend bonus more fun I guess lol.

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What about the positive vibes?  An approval is an approval.  Worse case scenario, declined or $500.   You can try to SM Navy to see whether the account can be reconsidered for a higher CL, but temper your expectations.   Plenty of folks would be happy for a $1K approval. 

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Responses 1 minute apart and almost identical  

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@CreditInspired wrote:

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@Anonymous wrote:

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@Peazmom wrote:

@513credit, now I'm refreshing my screen waiting for your update!  LOL

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Just got an alert from credit karma, they also pulled my EQ.. uh oh.. I have 5 inquiries on there vs the 2 on my TU. 

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How does your DTI look?

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Sareen helped me with this the other week, I can't remember.. but I take home $44,800 before tax, $750 in rent, $500ish in bills/mo and $550ish-$600 in debt out of my $4,275 credit line.

---

You mention TCL $4,275, but an 8/16 thread in the Approvals forum you indicated a 5/3 TRIO approval?  Was that a fluke or true event? 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/5-3-Trio-15-500/m-p/5714156

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I received an AA letter a few days after due to none other than Chexsystem.