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Navy Federal Thread for CLI and Additional Cards

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Contributor

Re: Navy Federal 2nd card question.

@averagejoescredit
Is that to me? I have no expectations regarding NFCU. I have the one card with them and that is good.
I simply asked about a 2nd card curious when it seems those with chap 7 seem to get okayed. I prefer to not get a HP without an idea if I have a pretty good chance with it. 😁
Chap 7 discharged 12/2018
Car loan 12/2018 Refinanced 8/2019
Capital one QS 750 1/2019
NFCU Nrewards 2k 2/2019

CURRENT FICO9 Equifax 695

Hubby is on same car loan and Chap 7
Capital 1 platinum 500 1/2019
NFCU Nrewards 2k 1/2019

CURRENT FICO9 Equifax 627 (just updated 10/16)
Message 10821 of 11,018
Valued Contributor

Re: Navy Federal 2nd card question.


@Disneymom234 wrote:
@averagejoescredit
Is that to me? I have no expectations regarding NFCU. I have the one card with them and that is good.
I simply asked about a 2nd card curious when it seems those with chap 7 seem to get okayed. I prefer to not get a HP without an idea if I have a pretty good chance with it. 😁

Call them and see if you have any offers per this thread below.

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/NAVY-DOES-WHAT-NOW/td-p/5760284

Message 10822 of 11,018
Frequent Contributor

Re: Navy Federal 2nd card question.

Can you get two of the same Navy credit cards and if you can will they give you the SUB for the duplicate card? I’m thinking of closing my low limit Cash Rewards moving the CL to my Amex and then applying for a second Amex. Anyone done this?
Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $2K
Disco It #1 $5.8K
NFCU MoreRewards $4.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $7.5K
DCU Visa $10K
NFCU Flagship Rewards $15K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K

BK 7 discharged July 2016



Message 10823 of 11,018
Valued Contributor

Re: Navy Federal 2nd card question.


@Hex wrote:
Can you get two of the same Navy credit cards and if you can will they give you the SUB for the duplicate card? I’m thinking of closing my low limit Cash Rewards moving the CL to my Amex and then applying for a second Amex. Anyone done this?

Yes, you can have two of the same cards from data points I've read. I'm not sure on the SUB.

Message 10824 of 11,018
New Contributor

Re: Navy Federal 2nd card question.

Hello Disneymom234. I was curious as to whether those with a recent CH 7 Discharge (10/2017) would be elegible for the Navy Prequal. I called last night and inquired with a nice CSR. I gave him my information and he came back and told me that I'm only prequalified for the Secured Card. I went through that process when I started my rebuild. I now already have two cards with Navy: the Platinum and the Cash Rewards. Oh well. I'm very happy with Navy Federal nonetheless.

Message 10825 of 11,018
Contributor

Re: Navy Federal 2nd card question.

@Jmos when did you get the second card?
Chap 7 discharged 12/2018
Car loan 12/2018 Refinanced 8/2019
Capital one QS 750 1/2019
NFCU Nrewards 2k 2/2019

CURRENT FICO9 Equifax 695

Hubby is on same car loan and Chap 7
Capital 1 platinum 500 1/2019
NFCU Nrewards 2k 1/2019

CURRENT FICO9 Equifax 627 (just updated 10/16)
Message 10826 of 11,018
New Contributor

Re: Navy Federal 2nd card question.

I was approved for the 2nd card (Platinum) on 4/29/2019 and then received a CLI on 7/30/2019, about 93 days later.

Message 10827 of 11,018
Regular Contributor

2nd card denied. CLI on 1st card approved...

My 91 days were up on 10/15.  Applied for a 2nd card today, instant denial for "not meeting lending criteria".  Hit the CLI on the existing card, approved for $8K CLI to total $28K.

 

What a bummer.  I just closed my home yesterday and would love to have another high CL card to smooth out the utilization % in upcoming weeks due to making some big purchases for the home.



Message 10828 of 11,018
Frequent Contributor

Re: 2nd card denied. CLI on 1st card approved...

@Vu
Sorry to hear about the decline!
What does not meet lending criteria mean?
CSP 17.8K
CHASE FU 7k
BECU VISA CARD 13K
BECU LOC 10K
CONNS(SYNCHRONY) 10K
MY JEWELERS 5K
NEW COAST DIRECT 5K
REGIONS PLATINUM 4K
BBT CASH REWARDS 3.5K
BBT TRAVEL 3.5K
PFU(ELAN FINANCIAL) 2K
CAP1 QS1 1.5K(closed GONE)
DISCOVER IT 1K
KAYS 1K(closed GONE)
NFCU CASH REWARDS 4.5k
CREDIT ONE 500(closed GONE)
OPENSKY 300(closed GONE)
DISCOVER(AU) 38.6K
CITI(AU) 12.5K

INCOME = 207K

Score for Fico are: Oct. 2019 Util 5%
Eq= 689
Trans= 719
Ex= 692
Inquires in last 24mths(Aug19)
Eq= 15
Trans= 12
Ex= 17
Accounts in Last 24mth= 19 6mths= 8(Aug19) 4 accounts have been closed
Car Loan= 1
Installment Loans= 5
CC= 12
4 AU accounts for AAoA since I have so many accounts(lol)
(1)10yrs, (3)8yrs
Message 10829 of 11,018
Valued Contributor

Re: 2nd card denied. CLI on 1st card approved...

Vu, which card did you go for? Was it Flagship?
Message 10830 of 11,018
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