Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Anonymous wrote:

Not that I've been here long, but I feel like I've seen quite a few applications/approvals for NFCU cards in the last couple days. Was there a new card/update? 

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Nah they're just a very popular destination for us here between easy approvals with large limits and great customer service. If they launched a new card, you wouldn't be able to see anything but NFCU threads on the first page of approvals

[credit8502020]

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@M_Smart007 wrote:

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@Anonymous wrote:

Not that I've been here long, but I feel like I've seen quite a few applications/approvals for NFCU cards in the last couple days. Was there a new card/update? 

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Score update ..

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@M_Smart007 Does the score update happen at the same time for everyone or does the date it updates depend on when you open your account? Is it a TU or EQ score? Thanks! 

[DaYooper]

Regarding the last bullet point (2nd and 3rd cards) - What is the better approach: Applying for Flagship as a third card, or doing a PC to a Flagship?

Back story: Just became a NFCU member a few weeks ago. Got a checking and savings acct started, added money from Discover cash back and Chase Amazon cash back to populate those accounts with cash. Also started a small direct deposit to start the relationship.

I have my eyes on two cards - More Rewards, and the Flagship. From what I have read, the first card is not generous, so I am taking the approach to make the Cash Rewards my first card, which leads to the primary question above. Would I get a higher starting limit by applying directly for the Flagship as my third CC, or doing a PC from the Cash Rewards?

I will be applying for the Cash Rewards just before the January 4 SUB deadline.

[Anonymous]

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@Anonymous wrote:

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Nah they're just a very popular destination for us here between easy approvals with large limits and great customer service. If they launched a new card, you wouldn't be able to see anything but NFCU threads on the first page of approvals

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Gotcha! Hmm, that sounds enticing

I've got a couple other cards on my list I'm wanting to shoot out apps for once USAA reports a paid off balance this month. They seem a bit strict, so I'm wanting to take advantage of 0 HPs and <1% utilization (it's been a while since I've had a report this clean!!)

Maybe afterwards, I might try sending out an app for an NFCU card? With what people have been saying about easier/more lenient approvals, does anyone think having 2 fresh hard inquiries and/or new accounts on my report would be too much for a Navy Fed approval?

[OmarGB9]

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@Anonymous wrote:

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@Anonymous wrote:

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Nah they're just a very popular destination for us here between easy approvals with large limits and great customer service. If they launched a new card, you wouldn't be able to see anything but NFCU threads on the first page of approvals

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Gotcha! Hmm, that sounds enticing

I've got a couple other cards on my list I'm wanting to shoot out apps for once USAA reports a paid off balance this month. They seem a bit strict, so I'm wanting to take advantage of 0 HPs and <1% utilization (it's been a while since I've had a report this clean!!)

Maybe afterwards, I might try sending out an app for an NFCU card? With what people have been saying about easier/more lenient approvals, does anyone think having 2 fresh hard inquiries and/or new accounts on my report would be too much for a Navy Fed approval?

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Nah, Navy only cares about whether you've burned them in the past and DTI. Inquiries and new accounts don't really seem to bother them.

[Anonymous]

@OmarGB9 and @recoveringfrombk7  Navy is definitely using TU for loan products and new credit card apps.  Im not sure about CLI. I can vouch firsthand for loan products,  I just applied for a auto loan and they pull TU. The good news is I was approved and I do have blemishes. Yaay!!! ( doing the happy dance. Also you cannot use the same pull for a CLOC.  They will only use the same pull if its a like product ( so if i was applying for a another auto loan the rep said she could use it.) I hope these DPs help someone.

[Anonymous]

@DaYooper The first card can be very generous depending on your profile. There are many reports of 1st cards being approved for $25K. The Flagship is the only card that has different underwriting and a SL of $5K. IMHO, if you want to play it safe, apply for the MR and if you are approved for $5K or more, you can immediately call and ask for the PC to the FS. If your profile is strong, income is good and DTI is solid then just app for the FS.

Regarding the order that you apply, that is anyone's guess. If the MR may be in your future, perhaps apply for that card first. Even though CR is offering $150 as a SUB, the current SUB points bonus on the MR works out to be $250. As generous as Navy can be, most can be approved for a second card but the third card can be tricky just FYI. I say start out with the card that serves your needs and the more of a relationship you build the better.

Looking forward to following your updates!! 

[Whitneyy]

So what is the opinion on various utilization before 91/3?

I read conflicting stories.

Reason asking is because I want to run a lot of money through so possibly they give me a bigger increase. 

[Anonymous]

@Anonymous grats on the Navy success and the new ride!! Thanks for the DP's regarding TU as well.

[Anonymous]

@Whitneyy I have always put minimal spend on the cards and PIF before the statement cuts. Family members of mine have carried balances and TBH we have all had success. IMHO Navy is more interested in how you handle the accounts, your overall profile including DTI and the relationship you are building, which just takes time. I don't think you have to push a ton through the account or have a zero balance but with rare exceptions a $4K CLI is the max right now.