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Hang in there, the light is at the end of the tunnel. And you're closing in on the exit!
It's just a battle scare. I have many of those!😂
In a few months you'll be nearly unstoppable! This virus isn't helping matters. That's for sure!
If Navy hasn't frozen your card and accounts. You've still had a better start than I.😉
@AI_JMV wrote:I know I should be happy to finally get in with Navy, but I can't help but be absolutely pis**d. I was approved for a $1k SL, 14.49% APR with current TU scores. I make 562k per year, <1% util, and this is the result I get. On top of that, I got declined for the Amex BCE, cold apped Chase, and got declined. So much for a post-closing app spree. I just don't know what I am doing wrong. I can't even grow my limits very well. I just don't understand..
Am i teading this correctly, you make half a million a year? Wow, you need to concentrate on those banks that cater to the high income earners. Navy on occasion has been cautious with high income earners, no clue why. Good news is you are in. But they definetly see something they dont like. Try in 91/3 and see where you stand. 3 months in credit is nothing. Good luck. I always say, ill always take $ over a cc. You only need one cc to swipe but $, doesnt grow on trees
@Brian_Earl_Spilner wrote:Chase blacklists for BK for 10 years regardless of if they were included, or not. Amex is currently not doing any recons because of the current economic climate. As for Navy, recent DPs are showing they may have tightened up lately as well, with many people getting low starting limits and only $10 - 15k second cards.
@Brian_Earl_Spilner, I do beg to differ ...
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Navy-CLI-and-new-Card/td-p/6028886
@AI_JMV wrote:@followgreatness TU: F09 805, F08 827, AAoA 14 years, 8 months. 3/12 INQ
Jesus, with scores like that I would expect to get approved for anything and everything.
Chin up OP, things will get better I am sure.
UPDATE: THERE IS HOPE!
I called Amex to recon the BCP, and the agent took the recon info, and sent it to UW. He told me that it might be Monday before I hear anything, and they may have to pull my credit report, yada yada.. right before we were about to get off the phone, he said wait a minute... it has just updated, and I am happy to report you have been approved!!! Wait for it..........
$30,000 SL!!!!! Well, that just officially kicked my little NFCU 1k CL's butt hahahaha.... My highest limit.. FINALLY!!!! And one of my goal cards. I AM SO FREAKING HAPPY!!!!!!! Thank you to all of you for all the support and virtual hugs.. I was so bummed this morning, but what a comeback!!!
Still waiting to hear about the NFCU recon, but I think this is enough to make me very **bleep** happy for now. woo hoo!!!
@AI_JMV wrote:UPDATE: THERE IS HOPE!
I called Amex to recon the BCE, and the agent took the recon info, and sent it to UW. He told me that it might be Monday before I hear anything, and they may have to pull my credit report, yada yada.. right before we were about to get off the phone, he said wait a minute... it has just updated, and I am happy to report you have been approved!!! Wait for it..........
$30,000 SL!!!!! Well, that just officially kicked my little NFCU 1k CL's butt hahahaha.... My highest limit.. FINALLY!!!! And one of my goal cards. I AM SO FREAKING HAPPY!!!!!!! Thank you to all of you for all the support and virtual hugs.. I was so bummed this morning, but what a comeback!!!
Still waiting to hear about the NFCU recon, but I think this is enough to make me very **bleep** happy for now. woo hoo!!!
Sweet, enjoy!
@AI_JMV wrote:UPDATE: THERE IS HOPE!
I called Amex to recon the BCE, and the agent took the recon info, and sent it to UW. He told me that it might be Monday before I hear anything, and they may have to pull my credit report, yada yada.. right before we were about to get off the phone, he said wait a minute... it has just updated, and I am happy to report you have been approved!!! Wait for it..........
$30,000 SL!!!!! Well, that just officially kicked my little NFCU 1k CL's butt hahahaha.... My highest limit.. FINALLY!!!! And one of my goal cards. I AM SO FREAKING HAPPY!!!!!!! Thank you to all of you for all the support and virtual hugs.. I was so bummed this morning, but what a comeback!!!
Still waiting to hear about the NFCU recon, but I think this is enough to make me very **bleep** happy for now. woo hoo!!!
WELL AL'RIGHT! YOU GO!!!
@AI_JMV wrote:UPDATE: THERE IS HOPE!
I called Amex to recon the BCP, and the agent took the recon info, and sent it to UW. He told me that it might be Monday before I hear anything, and they may have to pull my credit report, yada yada.. right before we were about to get off the phone, he said wait a minute... it has just updated, and I am happy to report you have been approved!!! Wait for it..........
$30,000 SL!!!!! Well, that just officially kicked my little NFCU 1k CL's butt hahahaha.... My highest limit.. FINALLY!!!! And one of my goal cards. I AM SO FREAKING HAPPY!!!!!!! Thank you to all of you for all the support and virtual hugs.. I was so bummed this morning, but what a comeback!!!
Still waiting to hear about the NFCU recon, but I think this is enough to make me very **bleep** happy for now. woo hoo!!!
Now that was a grand slam!!! lol
Isn't it funny how quickly things can turn around for the better? This credit stuff can shake you and bring you to your knees. Then all of a sudden, take you to the mountain top!! Very happy for you!! Good job in not giving up!
@M_Smart007 wrote:
@Brian_Earl_Spilner wrote:Chase blacklists for BK for 10 years regardless of if they were included, or not. Amex is currently not doing any recons because of the current economic climate. As for Navy, recent DPs are showing they may have tightened up lately as well, with many people getting low starting limits and only $10 - 15k second cards.
@Brian_Earl_Spilner, I do beg to differ ...
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Navy-CLI-and-new-Card/td-p/6028886
Well, I don't hang out in approvals and every navy thread I've clicked on has supported what I said. Maybe it's skewed by not reading every thread, but there sure have been a lot of disappointed with navy threads lately, much more recently than in the entire 2 years I've been here.