** UPDATE**........
They approved me for the nRewards unsecured Visa!!!! SO happy!!! It's only a $500 CL starting out, but I know that will grow!! I am not quite 2 months post Chp 7 discharge, and my EQ was 653, last time I checked it, so for them to approve me for a card so soon after my bk I'm so grateful!!! Plus I applied same day as membership!!! I'm gonna go back and reread this thread over and over for the next 6 months!!!!
So glad to have a second chance!! I also have a Capital One unsecured MasterCard with a $1,000 cL that is only 2 weeks old! I'm off to the garden for at least a year!!
They approved me for the nRewards unsecured Visa!!!! SO happy!!! It's only a $500 CL starting out, but I know that will grow!! I am not quite 2 months post Chp 7 discharge, and my EQ was 653, last time I checked it, so for them to approve me for a card so soon after my bk I'm so grateful!!! Plus I applied same day as membership!!! I'm gonna go back and reread this thread over and over for the next 6 months!!!!
So glad to have a second chance!! I also have a Capital One unsecured MasterCard with a $1,000 cL that is only 2 weeks old! I'm off to the garden for at least a year!!
Okay, so after recently joining NFCU in October, I applied for Flagship Sig Visa and was approved $5K. Also approved for Navcheck $15K. Honestly was baffled how easy and fortunate I was with this credit union already being a new member of only one day and signing up online! BUT ... LIKE SO MANY OTHERS...I WAS HOPING TO SEE THAT BIG GENEROUS LIMIT ON CC THAT EVERYONE POSTS ABOUT. So after obsessively reading all 60 pages of this forum last night not once but TWICE, I grabbed a whiskey and tonic and began sending a secure message for CLI on Flagship card. Then the waiting game began with me logging into the message center every hour today and finally...
Subject: Reconsideration of Credit Limit
Navy Federal Response 10/17/2013 : Thank you for your message. After careful review of your account and the documents you have provided, we have increased your credit limit to $17,500.00, effective immediately. We did not pull another credit bureau report in this process. Should you need additional assistance, please let us know.
Your Message 10/16/2013 : Hello,
I want to begin by thanking you for welcoming me warmly to Navy Federal Credit Union and I'm regretful that it took me so long to join the family. After nearly 7 years of employment with the Department of Defense, I recently became a member of NFCU and applied for the Visa Signature Flagship Rewards. I'm delighted that I've been approved but am hoping my credit line can be reconsidered as I eagerly try to stay within 20% or less utilization on my credit cards and submitted a balance transfer request from my Wells Fargo Platinum Visa at the time of my application which has now seriously limited my ability to use this card towards earning the wonderful bonus points towards airfare within 3 months without impacting my overall utilization. I am hoping that by enclosing supporting income/bank statement documentation, that my credit limit may be raised to atleast $10,000 without requiring an additional hard pull from my credit reports. I have currently banked with Wells Fargo for the past 9 years and although I am considered a VIP customer of theirs, I am ready to make NFCU my primary partner in banking/credit relationship going forward. I have heard nothing but positive comments in regards to NFCU and am excited to build a long lasting relationship. Thank you kindly for your consideration.
Your Message 10/16/2013 : Hello,
I want to begin by thanking you for welcoming me warmly to Navy Federal Credit Union and I'm regretful that it took me so long to join the family. After nearly 7 years of employment with the Department of Defense, I recently became a member of NFCU and applied for the Visa Signature Flagship Rewards. I'm delighted that I've been approved but am hoping my credit line can be reconsidered as I eagerly try to stay within 20% or less utilization on my credit cards and submitted a balance transfer request from my Wells Fargo Platinum Visa at the time of my application which has now seriously limited my ability to use this card towards earning the wonderful bonus points towards airfare within 3 months without impacting my overall utilization. I am hoping that by enclosing supporting income/bank statement documentation, that my credit limit may be raised to atleast $10,000 without requiring an additional hard pull from my credit reports. I have currently banked with Wells Fargo for the past 9 years and although I am considered a VIP customer of theirs, I am ready to make NFCU my primary partner in banking/credit relationship going forward. I have heard nothing but positive comments in regards to NFCU and am excited to build a long lasting relationship. Thank you kindly for your consideration.
Wow!!!! I am so in love with NFCU..... Now my highest credit limit by almost double Wells Fargo $9K limit. Trying to refrain from doing the Gangman style dance...........
@danmfe wrote:Okay, so after recently joining NFCU in October, I applied for Flagship Sig Visa and was approved $5K. Also approved for Navcheck $15K. Honestly was baffled how easy and fortunate I was with this credit union already being a new member of only one day and signing up online! BUT ... LIKE SO MANY OTHERS...I WAS HOPING TO SEE THAT BIG GENEROUS LIMIT ON CC THAT EVERYONE POSTS ABOUT. So after obsessively reading all 60 pages of this forum last night not once but TWICE, I grabbed a whiskey and tonic and began sending a secure message for CLI on Flagship card. Then the waiting game began with me logging into the message center every hour today and finally...
Subject: Reconsideration of Credit Limit
Navy Federal Response 10/17/2013 : Thank you for your message. After careful review of your account and the documents you have provided, we have increased your credit limit to $17,500.00, effective immediately. We did not pull another credit bureau report in this process. Should you need additional assistance, please let us know.
Your Message 10/16/2013 : Hello,
I want to begin by thanking you for welcoming me warmly to Navy Federal Credit Union and I'm regretful that it took me so long to join the family. After nearly 7 years of employment with the Department of Defense, I recently became a member of NFCU and applied for the Visa Signature Flagship Rewards. I'm delighted that I've been approved but am hoping my credit line can be reconsidered as I eagerly try to stay within 20% or less utilization on my credit cards and submitted a balance transfer request from my Wells Fargo Platinum Visa at the time of my application which has now seriously limited my ability to use this card towards earning the wonderful bonus points towards airfare within 3 months without impacting my overall utilization. I am hoping that by enclosing supporting income/bank statement documentation, that my credit limit may be raised to atleast $10,000 without requiring an additional hard pull from my credit reports. I have currently banked with Wells Fargo for the past 9 years and although I am considered a VIP customer of theirs, I am ready to make NFCU my primary partner in banking/credit relationship going forward. I have heard nothing but positive comments in regards to NFCU and am excited to build a long lasting relationship. Thank you kindly for your consideration.Wow!!!! I am so in love with NFCU..... Now my highest credit limit by almost double Wells Fargo $9K limit. Trying to refrain from doing the Gangman style dance...........
Another Satisfied Member gettting CLI with no HP...
@danmfe wrote:
Wow!!!! I am so in love with NFCU..... Now my highest credit limit by almost double Wells Fargo $9K limit. Trying to refrain from doing the Gangman style dance...........
You'll be doing the horsey dance in style with a limit like that! Super nice recon. 
Just an FYI.....
Spoke with a loan officer today about a car refi( they denied me last week).
They pull TU for loans and refi, and also as long as a bankruptcy still shows on the credit report, it's an automatic denial just for that reason!! I asked the loan officer that since my bk was in may of this year, it will be on reports till 2023, does that mean I can never have a personal loan, car loan, or car refi with you for the next 10 years when it's off my reports??? Her answer."... I'm sorry, yes. That's Navy's policy. "
I'm sooo bummed!!!! So there goes Any loans! I told her I have a a CC with them, and she said that the CC and loan departments are separate, and they both have very different lending practices and guidelines.
She also told me that yes they do pull TU for all personal loans and auto loans, and that you have to be higher than their lowest tier group, which she wouldn't tell me scores in that "lowest tier group". So, I guess having a CC with them is better than nothing, and hopefully ill get increases on it.
Spoke with a loan officer today about a car refi( they denied me last week).
They pull TU for loans and refi, and also as long as a bankruptcy still shows on the credit report, it's an automatic denial just for that reason!! I asked the loan officer that since my bk was in may of this year, it will be on reports till 2023, does that mean I can never have a personal loan, car loan, or car refi with you for the next 10 years when it's off my reports??? Her answer."... I'm sorry, yes. That's Navy's policy. "
I'm sooo bummed!!!! So there goes Any loans! I told her I have a a CC with them, and she said that the CC and loan departments are separate, and they both have very different lending practices and guidelines.She also told me that yes they do pull TU for all personal loans and auto loans, and that you have to be higher than their lowest tier group, which she wouldn't tell me scores in that "lowest tier group". So, I guess having a CC with them is better than nothing, and hopefully ill get increases on it.
@pizza1 wrote:
Just an FYI.....
Spoke with a loan officer today about a car refi( they denied me last week).
They pull TU for loans and refi, and also as long as a bankruptcy still shows on the credit report, it's an automatic denial just for that reason!! I asked the loan officer that since my bk was in may of this year, it will be on reports till 2023, does that mean I can never have a personal loan, car loan, or car refi with you for the next 10 years when it's off my reports??? Her answer."... I'm sorry, yes. That's Navy's policy. "
She also told me that yes they do pull TU for all personal loans and auto loans, and that you have to be higher than their lowest tier group, which she wouldn't tell me scores in that "lowest tier group". So, I guess having a CC with them is better than nothing, and hopefully ill get increases on it.
THAT PERSON YOU SPOKE TO WAS STUPID IN ALL CAPS!
Not only does Navy not always pull TU because I have applied for Navcheck and auto in the last month and credit card and they pulled EQ 3 times but BK is SO NOT a decline with navy... are you kidding me... what rock did this person come from... WOW IM ANGRY just reading this... I can't believe it... I would want to know who that person is and I would want that call pulled and I would want this person taken through training again... that is about as peggy as old capital one.
can I say it again Suze Orman style "ARE YOU KIDDING ME"