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Confusing Navy Denial/Approval ($25k)

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Valued Contributor

Confusing Navy Denial/Approval ($25k)

Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).

 

Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.

 

I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.

 

Needless to say, Navy is confusing.350F26B1-CE31-406B-8727-FF7C5C19D7AD.jpeg

 

8BED9A44-EC04-490C-9AFB-E86F674FF4F5.jpeg

 

 

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
37 REPLIES 37
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Mega Contributor

Re: Confusing Navy Denial/Approval ($25k)

Congratulations on your approval! ...

Message 2 of 38
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Valued Contributor

Re: Confusing Navy Denial/Approval ($25k)


@M_Smart007 wrote:

Congratulations on your approval! ...


Thank you. They are so strange to say I don't qualify for $5k, then turnaround and approve me for $25k! Nothing has changed on my credit since last month except for a couple more inquiries and new credit lines.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 3 of 38
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Established Contributor

Re: Confusing Navy Denial/Approval ($25k)

Congrats on your approval!

12/18/19






Cards

Authorized User
Message 4 of 38
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Mega Contributor

Re: Confusing Navy Denial/Approval ($25k)


@revjamesl wrote:

@M_Smart007 wrote:

Congratulations on your approval! ...


Thank you. They are so strange to say I don't qualify for $5k, then turnaround and approve me for $25k! Nothing has changed on my credit since last month except for a couple more inquiries and new credit lines.


@revjamesl 

 

That is Navy, really can't figure them out 100%

They always keep you guessing ..

and when you least expect it $25K at the lowest rate for that CC.

Message 5 of 38
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Established Contributor

Re: Confusing Navy Denial/Approval ($25k)

Congratulations on your NFCU Cash Rewards approval! That is an outstanding SL and APR!



Current FICO 8:

Credit Age (TU):

Inquiries:


Message 6 of 38
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Senior Contributor

Re: Confusing Navy Denial/Approval ($25k)

Congrats on your very nice NFCU cashRewards approval!

Currently: Gardening since 04/2020




Message 7 of 38
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Established Contributor

Re: Confusing Navy Denial/Approval ($25k)


@revjamesl wrote:

Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).

 

Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.

 

I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.

 

Needless to say, Navy is confusing.350F26B1-CE31-406B-8727-FF7C5C19D7AD.jpeg

 

8BED9A44-EC04-490C-9AFB-E86F674FF4F5.jpeg

 

 


Call and do and PC to flagship!

Message 8 of 38
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Frequent Contributor

Re: Confusing Navy Denial/Approval ($25k)

congratulations.gifsource.gif






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Message 9 of 38
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Established Contributor

Re: Confusing Navy Denial/Approval ($25k)

@revjamesl  Super Congrats on your Navy Fed Cash Rewards $25,000 approval!!! Smiley Very Happy

 

You certainly went from one extreme to the other. From not qualifying at all 

for a minimum 5k limit on the Flagship to getting 25k @9.65% for the CR is

strange indeed. And if you'd like to make things even stranger, then I would take

@Harvey26  's advice: Request a product change to the Flagship. That's the card you

originally wanted anyway. I'd love to be a fly on the wall during that conversation. Smiley Very Happy

 

Congrats again on your Navy Fed approval. Thanks so much for sharing!!! Smiley Very Happy

Message 10 of 38
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