which Navy fed typically gives a higher credit limit approval?

[M_Smart007]

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@Anonymous wrote:

@M_Smart007 

thank you for the advice and knowledge! 

Do you know if navy fed auto denies for a certain amount of inquiries?

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@Anonymous,

My last two NFCU cards were approved with 28-32/24 Inquiries and tons of new accounts.

So IMHO,  I do not feel they are Inq. sensitive.

In This link, is another link to actual approval of The Flagship >>>> and The Platinum.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-Flagship-Visa-4000-00-quot-SP-quot-CLI-Approved/m-p/6047777#M685098

[Anonymous]

thank you @M_Smart007 you have been so helpful. 

[M_Smart007]

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@Anonymous wrote:

thank you @M_Smart007 you have been so helpful. 

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Thank you @Anonymous , and Welcome to the forums

[Anonymous]

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@Anonymous wrote:

In theory the limits should be the same between them. NFCU just has a higher bar to entry for the Flagship with the $5K minimum. If it's your first card, I would go for the Platinum to try to avoid a denial unless you have been a member for some time. There have been people with FICOs in the 800s who got declined the Flagship as their first card. 

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And this is YEMV, because I had a score in the 600s (680 I think?) and got approved for flagship last year as my first card with a 15k SL.... Don't want to steer you wrong, but it is YEMV. (And no my profile wasn't particularly strong last year)  

[recoveringfrombk7]

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@Anonymous wrote:

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@Anonymous wrote:

In theory the limits should be the same between them. NFCU just has a higher bar to entry for the Flagship with the $5K minimum. If it's your first card, I would go for the Platinum to try to avoid a denial unless you have been a member for some time. There have been people with FICOs in the 800s who got declined the Flagship as their first card. 

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And this is YEMV, because I had a score in the 600s (680 I think?) and got approved for flagship last year as my first card with a 15k SL.... Don't want to steer you wrong, but it is YEMV. (And no my profile wasn't particularly strong last year)  

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@Anonymous were you a brand new navy member as well?  I've heard of first card FS approvals, but only in the case where there had been an existing navy relationship.  Just curious, thanks!

[Anonymous]

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@recoveringfrombk7 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

In theory the limits should be the same between them. NFCU just has a higher bar to entry for the Flagship with the $5K minimum. If it's your first card, I would go for the Platinum to try to avoid a denial unless you have been a member for some time. There have been people with FICOs in the 800s who got declined the Flagship as their first card. 

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And this is YEMV, because I had a score in the 600s (680 I think?) and got approved for flagship last year as my first card with a 15k SL.... Don't want to steer you wrong, but it is YEMV. (And no my profile wasn't particularly strong last year)  

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@Anonymous were you a brand new navy member as well?  I've heard of first card FS approvals, but only in the case where there had been an existing navy relationship.  Just curious, thanks!

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I had been a member all of two months. Only had a savings account. 

[gingerflower]

@Anonymous 

Being that you've been a member with nfcu and already have a cash rewards card I would recommend applying for Platinum card. I to been a member with nfcu since 2012 and got a invitation to apply for Platinum got instant approval $25,000 and recently received auto Cli to $30,000 good luck on either card. 

[Anonymous]

@gingerflower 

Congrats on that $5K auto increase! Navy loves you!! 

[M_Smart007]

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@gingerflower wrote:

@Anonymous 

Being that you've been a member with nfcu and already have a cash rewards card I would recommend applying for Platinum card. I to been a member with nfcu since 2012 and got a invitation to apply for Platinum got instant approval $25,000 and recently received auto Cli to $30,000 good luck on either card. 

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@gingerflower, Congrats on your Auto-CLI

[Anonymous]

Hi guys,

Just wanted to update- 

I applied for the platinum, only received a CL of $900.

Did not move forward with asking for a CLI on my cash rewards. 

I needed to make a large purchase so I went ahead and applied for a personal loan and was approved for my asking of 10k. 

Thanks for all the advice.