Navy federal credit card approvals

[Anonymous]

I opened my checking and savings account last October with navy and immediately applied for cloc and two credit cards. Both declined.Even in recon. At the time,the only credit I had was deferred student loans opened in 2014 and a voluntary repo from 2012( 1 30 day late, car broke down same month)Closed account, no payments due and a paid CO from Dept of education in 2011 for $900 and paid in full in 2014. I opened a cap one card and first premiere card the following November 2017 both for $300, a freshstart account from Fingerhut for $200 that I eventually paid off and graduated into a revolving account for $400. amazon for $400 and Walmart card for $500 in December. In March of this year I got cli on amazon to $6000 and Walmart to $5000. I reapplied in may but was denied for a cc for “ limited credit experience” and too many accounts opened in last 24 months but approved for 15k for cloc and auto loan for $20000. Then I was approved for a sams club card for $600 in may of this year. For whatever reason schcrony bank closed my amazon and Walmart accounts but there is a zero balance on both cards. 🤷🏾‍♀️ And couldn’t give me an exact reason. But got cli to $500 on cap one.My student loans are $19000 but I’ve paid off over $17000 so far( never missed a a payment) I have 100% payment history on all of my accounts. No derogs. No collections. 0 balance on all closed and open accounts except one reporting at 9%. My cap one and first premiere card will hit a year in November, amazon and Walmart in dec( if they count) , fresh start hit a year in oct but revolving account 1 year in jan. So my accounts have aged a little bit except sams club( only a few months)I want to reapply for a credit card but am nervous because my cloc is maxed out(lawyer fees, long story)and my cloc and auto loan are only 5 months old. However, I’ve never been late on my auto loan payment nor cloc payment. Have direct deposit with them and $1000 in savings. Ex score 649 Tr 668 Eq 645. Income $48000 yearly. Monthly obligations: credit cards,Rent $250(live with parent). 387 auto payment. Do I have a better chance of getting approved this time around or should I wait a little longer? If I get approved what will my limit possibly be? Thanks in advance.

[AverageJoesCredit]

I think you have a good chance. Now one can say your sl but if you get approved that's the most important Good luck

[Anonymous]

The reason why those to account were cloed was dues to the fact that you have been looking for credit and when you request for a credit increase they will  do a soft pull on youu account and if they see to many recent inquiries they will close you account cause you are a  high risk to them and they belive you need credit so bad to survive.

[AverageJoesCredit]

No ,not necessarily. Yes credit seeking can have adverse affects, but Synchrony is not known to close an account so early even with a couple inquiries. They aren't Comenity, Chase, or Barclays who have been known to do so. There must have been another reason.

[Anonymous]

Good job on paying down your student loans. I got approved for NFCU credit card with a 7k limit with a TU score of 580. So your score is more than good enough. And they aren't going to care about 6 year old Repo. Don't know about how they feel about your income and debts though.