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3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

Marz2002
Senior Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!


@sassynycgirl wrote:

Congratulations!


Thanks  !

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 11 of 41
M_Smart007
Legendary Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

Message 12 of 41
Marz2002
Senior Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!


@PicoFico wrote:

@Marz2002 wrote:

Greetings and Salutations myFICOers!!!

 

I just received my 3rd More Rewards card statement and 91 days have past since that Card was approved so, I decided to app for the Flagship card to complete my NAVY FEDERAL CC Trifecta

 

I phoned in the app and after providing all of my information to the Ref, she announced that I was approved with a $15,000 SL and a 16.99% APR.  I know that's HIGH, but according to the documented credit qualifications for this card, I don't qualify because my TU FICO score is 734 - Good.  The published credit range for this card is Very Good to Excellent so, I guess my internal NFCU score helped me qualify.

 

Next, I decided to request a SP CLI for my More Rewards card.  I was warned by 3 different avenues (online, CHAT, and phone call to a Rep) that a HP is now required for a CLI.  So, based on the STUMBLING Financial Markets, I told the phone Ref to go ahead and complete my CLI request.  I decided at this time that I have the best opportunity for the foreseeable future.  Phone Ref gave me the 48 Hour Message.  And so, the Wait Clock started!

 

Fast Forward to this morning - I logged into my account to check for any progress and noticed that $8,000 was added to my More Rewards CL for a new CL of $33,000!  My Highest CL of ALL Time! Smiley Very Happy

 

DPs -

TU FICO8 - 734

AoOA - 7.9 years

AAoA - 2.2 years

AoYA - 2 months

Income - $100K+

UTIL - 3%, from TU Report

PIF all accounts every month (AFTER statements cut) with the exception of approximately $2,400 on my Citi DoubleCash card (still in 0% Promo interest period)

 

MANY Thanks to my good friend  for showing me How It's DONE and ALL of the myFICO Posters who have shared their NFCU success stories! 


Did you end up with a HP for the CLI?


 as of 25 HOURS later, NO HP yet!
AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 13 of 41
James_A
Senior Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!


@Marz2002 wrote:

... I was approved with a $15,000 SL and

... $8,000 was added to my More Rewards CL for a new CL of $33,000


Marzy killin' it! Smiley LOL Well done, sir. 

Thanks for the GREAT DPs -- beautiful. Smiley Happy

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 14 of 41
nuohlac
Valued Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

Congratulations on your approval!!! It would be nice if they put your Shellback status on your card. 




Message 15 of 41
SFLSpotter9210
Valued Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

My good friend a very awesome congratulations 🎈🎊🍾🎉!!! Popping bottles that's awesome celebrating all day. Truthfully who knows the NFCU algorithm cause my TU report is probably not as good as you. It's at 730 Marz with 9-10% utilization. 

It very well could be a geographical related position that could be the reason. Maybe some other seasoned myfico can chime in with a reasoning or maybe it's just a ymmv. 

Even some others have received 25k with lower income and lower scores who'd thought. But the main thinking process should be you and we all know it's going to grow to the max. 👍. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 16 of 41
angelwingz
Valued Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

Congratulations on your approval and CLI! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 17 of 41
Marz2002
Senior Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!


@Bbcatcher wrote:
Congratulations!

MANY, MANY Thanks  !

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 18 of 41
AverageJoesCredit
Legendary Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!

Big congrats MarzieSmiley Happy. Lol, sorry but 16.99 for a rewards card aint that highSmiley Wink. Still getting approvals this week is impressive. Enjoy it buddySmiley Happy

Message 19 of 41
AverageJoesCredit
Legendary Contributor

Re: 3rd NFCU Card Approval - The FLAGSHIP ===> $15,000 SL!!


@AllZero wrote:

giphy


Dang, that be coldSmiley Wink

Message 20 of 41
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