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Confusing Navy Denial/Approval ($25k)

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Established Contributor

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

Congrats!





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Message 21 of 38
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New Member

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

Good for you, congratulations on your approval!

Hey

Message 22 of 38
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Frequent Contributor

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

Congratulations 

My Cards:



Future Cards:

Accounts Currently: 3/6, 7/12, 9/24
Gardening until May 2021-0/12[US Bank 1/12 Rule].
Sept 2021-4/24[Chase 5/24 Rule]. Oct 2021-2/12[Bank of America 3/12 Rule].
Message 23 of 38
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New Member

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

Congrats 🎊 🍾 

Message 24 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.

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

 

 


Where is the "pre-qualification link for existing members found?

Message 25 of 38
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Valued Contributor

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


@rbentley 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.

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

 

 


Where is the "pre-qualification link for existing members found?


I found it under 'Credit Cards'...I didn't have to search to find it.

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 26 of 38
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Super Contributor

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

Different products,, different UW criteria

Major congrats on your new Navy card



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 27 of 38
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Senior Contributor

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

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 28 of 38
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Established Contributor

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

Thank you so much for sharing this!

What a great story :-)

Congratulations,

Cheers

Message 29 of 38
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Valued Contributor

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

Congratulations on your approval!!!



Message 30 of 38
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