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Approved for Navy Federal Amex Card!!

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Valued Member

Approved for Navy Federal Amex Card!!

I was denied today by NavyFed for an CLI on my Visa Rewards(5K CL)😢. I was so upset.. I have had the card for three years and never asked for a increase.
But then I did a search, and saw a lot people who had also been denied for CLI’s but approved for the other reward cards. So, I took the chance after chickening out 3 times, and I hit the send button...they instantly gave me a 20K approval!! So happy, and in shock!
Thanks again to this forum for inspiring me to take the leap!
Equifax 613
Transunion 618
Equifax 611
Message 1 of 24
23 REPLIES 23
Valued Contributor

Re: Approved for Navy Federal Amex Card!!

Welcome to the myFICO forums!Rock on with your bad self @LanaN36 !



















Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 24
Valued Contributor

Re: Approved for Navy Federal Amex Card!!

Welcome to the forum! Congrats on your NFCU Amex! Nice SL as well! Smiley Very Happy






Message 3 of 24
Frequent Contributor

Re: Approved for Navy Federal Amex Card!!

Congrats on your second card with Navy! Awesome SL Smiley Happy

tenor.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 4 of 24
Frequent Contributor

Re: Approved for Navy Federal Amex Card!!


@LalaN36 wrote:
I was denied today by NavyFed for an CLI on my Visa Rewards(5K CL)😢. I was so upset.. I have had the card for three years and never asked for a increase.
But then I did a search, and saw a lot people who had also been denied for CLI’s but approved for the other reward cards. So, I took the chance after chickening out 3 times, and I hit the send button...they instantly gave me a 20K approval!! So happy, and in shock!
Thanks again to this forum for inspiring me to take the leap!
Equifax 613
Transunion 618
Equifax 611

Super Congrats on your Navy Fed $20,000 Amex approval! Smiley Very Happy

 

You were right to do a search. With Navy Fed, when one door closes (CLI denial),

another one opens (2nd card approval). You didn't specify how much of a CLI you

requested, but I'm sure the amount pales in comparison to $20,000. Well done! Smiley Very Happy

 

BTW, your Navy Fed internal scores must be really high. The FICOs you listed

are modest, but apparently your 3 year history had a lot to do with your approval. Smiley Very Happy

 

Congrats again on your success. Thanks so much for sharing! Smiley Very Happy

Message 5 of 24
Regular Contributor

Re: Approved for Navy Federal Amex Card!!

Congrats on your approval, I’m looking to apply for my 2 card with them also in a couple of months.
Your scores are around where I am now.
So I hope they throw a heavy money bag my way also.
Starting Fico (6/29/18):EX 610, TU 595, EQ 603
Fico (9/1/18):EX 620, TU 599,EQ 631
(10-1-18) EX 630, TU 607, EQ 641
Goal: 670(Jan'19)

,
Message 6 of 24
Community Leader
Super Contributor

Re: Approved for Navy Federal Amex Card!!

Way to goSmiley Happy Navy is the only one i know where you can score 20k on low 600 ficos. Just goes to show scores with Navy really have no effect. I had a 759 Ex and i couldnt even raise my $500 Plat a dollar . lol. Enjoy your new cardSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 24
Valued Contributor

Re: Approved for Navy Federal Amex Card!!

Congrats on the approval!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 8 of 24
Frequent Contributor

Re: Approved for Navy Federal Amex Card!!

Welcome to the forums and congratulations on your huge credit line approval! Smiley Happy

Message 9 of 24
Valued Member

Re: Approved for Navy Federal Amex Card!!

Thank you!!

Message 10 of 24
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