Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

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That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

[UncleB]

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

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That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

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Some applications do go to review, but not all of them.  Both of my card apps were instantly approved.

If you want low-APR the Platinum MC/V has the lowest rate of any of their cards, but it has no rewards.

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

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That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

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Some applications do go to review, but not all of them.  Both of my card apps were instantly approved.

If you want low-APR the Platinum MC/V has the lowest rate of any of their cards, but it has no rewards.

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I'm considering that if any of the higher-tier cards is a no-go, though my Apple FCU Platinum Visa is currently serving as my BT card since it's got the lowest APR of any of my active cards and plenty of room to move balances from higher-APR cards (once I work out the bug that's preventing me from doing BT's from Sync online in my AFCU card account site which is run by PSCU). I had assumed that NFCU did manual review because in my other experience with credit unions, my card apps with PenFed and Apple were both sent to manual review.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

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That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

In my experience only pending apps or CLIs have gone to manual....have a feeling youd get an instant approval. If you get instant you can recon for a higher line/lower APR with the points you mentioned via secure message in the app

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[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

---

That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

In my experience only pending apps or CLIs have gone to manual....have a feeling youd get an instant approval. If you get instant you can recon for a higher line/lower APR with the points you mentioned via secure message in the app

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@Callesun   Yes, you do see alot of ppl with 650 to 700 range get large SL's.  What you don't see in most cases is that they may have really low DTI, really high income, or a clean profile, maybe all of the above.  Navy is amazing, but you should never base your success with a lender on others as every profile/situation is different.   The CPDB is fun for checking who they pull in a certain state, but its really really outdated now.  Most of the approvals are from 2016 or older sadly.   The game has cahnged alot since a year ago, let alone 2016. 

[UncleB]

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@Anonymous wrote:

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@UncleB wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

---

That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

---

Some applications do go to review, but not all of them.  Both of my card apps were instantly approved.

If you want low-APR the Platinum MC/V has the lowest rate of any of their cards, but it has no rewards.

---

I'm considering that if any of the higher-tier cards is a no-go, though my Apple FCU Platinum Visa is currently serving as my BT card since it's got the lowest APR of any of my active cards and plenty of room to move balances from higher-APR cards (once I work out the bug that's preventing me from doing BT's from Sync online in my AFCU card account site which is run by PSCU). I had assumed that NFCU did manual review because in my other experience with credit unions, my card apps with PenFed and Apple were both sent to manual review.

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With NFCU the only card that has different underwriting is the Flagship, and that's because it has a $5k minimum credit line for approval.  Otherwise, there's really not a 'higher-tier' card with them. 

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

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@UncleB wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

---

That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

---

Some applications do go to review, but not all of them.  Both of my card apps were instantly approved.

If you want low-APR the Platinum MC/V has the lowest rate of any of their cards, but it has no rewards.

---

I'm considering that if any of the higher-tier cards is a no-go, though my Apple FCU Platinum Visa is currently serving as my BT card since it's got the lowest APR of any of my active cards and plenty of room to move balances from higher-APR cards (once I work out the bug that's preventing me from doing BT's from Sync online in my AFCU card account site which is run by PSCU). I had assumed that NFCU did manual review because in my other experience with credit unions, my card apps with PenFed and Apple were both sent to manual review.

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With NFCU the only card that has different underwriting is the Flagship, and that's because it has a $5k minimum credit line for approval.  Otherwise, there's really not a 'higher-tier' card with them. 

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+1 to that.    Honestly if what you want is a flagship, app for a CR or GR, if you get a limit over 5k you can PC to flagship and not waste an HP if you dont qualify for the 5k minimum.  

as always, YMMV...  i got 3 cards with navy in 8 months, none of them went to review.  CLI's on the other hand were 90% to review. 

[Anonymous]

hey all any opinions on how this poster got these back to back clis?

[UncleB]

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@Anonymous wrote:

hey all any opinions on how this poster got these back to back clis?

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No idea, but that was over five years ago and a lot has changed since then. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Excited for you - let us know. Just remember the CSR's / Bank personnel are often wrong so take much of their info with a grain of salt! IMO Navy Fed loves people in the 650 to 700 range with lots of cards. I see so many large SL's on 6xx scores on the credit pulls database....

---

That does seem to fit me - FICO scores of 662 to 697, 10 active cards. I wonder if it might help to tell them that I'm looking for lower-APR cards that I can use anywhere to replace a high-APR card that I can only use in one place? I assume they review apps manually like other credit unions, so...?

In my experience only pending apps or CLIs have gone to manual....have a feeling youd get an instant approval. If you get instant you can recon for a higher line/lower APR with the points you mentioned via secure message in the app

---

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@Callesun   Yes, you do see alot of ppl with 650 to 700 range get large SL's.  What you don't see in most cases is that they may have really low DTI, really high income, or a clean profile, maybe all of the above.  Navy is amazing, but you should never base your success with a lender on others as every profile/situation is different.   The CPDB is fun for checking who they pull in a certain state, but its really really outdated now.  Most of the approvals are from 2016 or older sadly.   The game has cahnged alot since a year ago, let alone 2016. 

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I really have to agree with that last part; I've never found that database to be of any real use, because I have never been able to find any significant information for any of the cards I'm interested in in my state (Virginia). And given that it's not regularly updated, it's becoming, frankly, more and more useless except possibly for seeing who pulls what in a given state - but even that can and does change.

Anyway, I'm feeling pretty nervous this morning with a mild case of cold feet. I'm bouncing back and forth on whether to apply for cashRewards, or just go for the Platinum and hope to PC it later on. My DTI (calculating from gross monthly income) is 19%, which is pretty decent (well below the 43% maximum advised by CFPB), I'm 4+ years past BK filing, and while my income as a Federal government employee is a good deal more modest than what I suspect many other MF regulars make, I recently applied for a merit promotion and if I get it it'll open the way for me to get up to 3 grades higher on the General Schedule. Soooooooo....