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Confusing Navy Denial/Approval ($25k)

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Community Leader
Mega Contributor

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

Prequal isnt what got you the card, your profile did. 

Message 11 of 38
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Moderator

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

Grats on finally getting it done and getting that great SL Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 12 of 38
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Valued Contributor

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


@AllThingsInTime wrote:

@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


I think I'll wait till they offer a sign-up bonus down the road before applying for the Flagship again.

 

And no kidding about the extreme! So strange.

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 13 of 38
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Valued Contributor

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


@AverageJoesCredit wrote:

Prequal isnt what got you the card, your profile did. 


Right. I just happened to view it before deciding to app.

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 14 of 38
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Valued Contributor

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


@Harvey26 wrote:

@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!


I think I'll wait till they offer a sign-up bonus down the road before applying for the Flagship again. That, and I want the free $150 for using the cashREWARDS.

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 15 of 38
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Valued Contributor

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


@revjamesl wrote:

... approved for $25k and their lowest APR on card of 9.65% ... Navy is confusing.


He is not the only One who works in mysterious ways. Smiley Wink Congrats! rev on finding the Navy light. Smiley Happy Praise the Lord. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


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Message 16 of 38
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Regular Contributor

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

Curious if you were trying to app Flagship as your first card?


Rebuild start: 5/15/19


Message 17 of 38
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Valued Contributor

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


@PicoFico wrote:

Curious if you were trying to app Flagship as your first card?


That's correct. 

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 18 of 38
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Super Contributor

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

Congratulations on your approval!

Message 19 of 38
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Regular Contributor

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

Congratulations on your massive approval!!!!!!!!!!

FICO 5.2020
TU - 785
EX - 771
EQ - 779


Message 20 of 38
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