Approved for NFCU GO Rewards

Goal_Getter · ‎12-08-2018

After taking you all’s advice, i paid down on at least one of my credit cards bringing my utilization down from 79% to 64%. That’s still high but I anxiously wanted to app for a NFCU card to do a balance transfer to bring the other card balances down. Well, low and behold, i applied yesterday and was approved with a starting limit of $3,300 (highest limit this far) and the balance transfers was approved as well. The starting limit is actually more than i expected. This will bring my overall utilization down significantly. I’m just happy to finally be IN IN with Navy now. Maybe in three months or so i could request CLI? Transunion was pulled with 615 FICO. My goal now is to relax and keep working on paying off balances.

Starting Score: 550
Current Scores: EQ 658 EX 651 TU 669
Goal Score: 700

AverageJoesCredit · ‎12-08-2018

Nice job, enjoy

Anonymous · ‎12-08-2018

Awesome - more and more it looks like Navy is the way to go for building big CLs and getting on track. Congrats!

19eighty5 · ‎12-08-2018

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎12-08-2018

Congrats on your approval !!!

Anonymous · ‎12-08-2018

Congrats

spiritcraft1 · ‎12-09-2018

Nice job. That NFCU card will grow I am sure. A point increase is in store as well I bet.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Brooklyn2018 · ‎12-09-2018

Congrats!!!👍x3,300!!!!

Best of Luck!

😊

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge

>

I❤️NY

Anonymous · ‎12-09-2018

Nice job, congratulations!!!

Gotta love Navy Fed

RonM21 · ‎12-09-2018

Congrats on the approval and I like your strategy for laying low after.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping