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Disappointed with Navy Approval

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Regular Contributor

Re: Disappointed with Navy Approval

@thornback  Thank you.. I appreciate that.  Sigh...  I guess I will look forward to 91/3.. 

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 11 of 89
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Valued Contributor

Re: Disappointed with Navy Approval


@ntm1087 wrote:

Navy is known to use EQ Fico 9 model unless things have changed. (Just started back up following these forums) Did you get an alert on which report they pulled? I know you mention TU score but just wanted to clarify you're certain which one was pulled. Either way with that BK falling off soon you should be good after 91/3 timeframe for a CLI. 


EQ9 for CLIs,  TU9 for new card apps. 

 

And yes,  I agree - that BK falling off is perfect timing for a CLI.  I honestly think OP has no worries with Navy...  they just often like to test the waters first before diving in.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 05/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 04/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.1 years not incl. AU / 3.5 years incl. AU
My AoOA: 7.3 years not incl. AU / 9.3 years incl. AU
Inquiries: EX 1/6 | 1/12 ✦ EQ 1/6 | 1/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 12 of 89
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Regular Contributor

Re: Disappointed with Navy Approval

@ntm1087  Already sent lol.  I'll update if successful. 

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 13 of 89
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Regular Contributor

Re: Disappointed with Navy Approval

Navy almost always starts out 1st card with 500-1000 limit 2nd card will open up



Message 14 of 89
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Community Leader
Senior Contributor

Re: Disappointed with Navy Approval


@Chandler455 wrote:

Navy almost always starts out 1st card with 500-1000 limit 2nd card will open up


Stats say otherwise . I totally disagree here. Navy is usually the ones that grant higher limits when your other limits are lower on profile .

EXP 758 TU 783 EQ 729
Message 15 of 89
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Mega Contributor

Re: Disappointed with Navy Approval

@AI_JMV  Sorry for your dissapointmentSmiley Sad

I have had my share, trust me on this.

 

Hang tough with NFCU despite the feeling of wanting to possibly close it.

I have a friend that started out with a nRewards secured card, toughed it out,

2 years later He has 3 cards with $80K total credit limits.

He also has a $5K CLOC and a ridiculous rate car loan.

Message 16 of 89
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Established Contributor

Re: Disappointed with Navy Approval

Congratulations on your NFCU approval!



Current FICO 8:

Credit Age (TU):

Inquiries:


Message 17 of 89
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Mega Contributor

Re: Disappointed with Navy Approval

@AI_JMV  Also

 

This person was frustrated, I suggested app'ing for a second card (in another thread)

Here is the outcome;

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Navy-CLI-and-new-Card/td-p/6028886

 

Give it some time, use your current card and I think things will change for you!

 

You can also read here, lot's of very good NFCU info on CLI's and additional cards.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

Message 18 of 89
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Super Contributor

Re: Disappointed with Navy Approval

Sorry for your denials

Navy saves the killer CLs for your 2nd and 3rd accounts with them



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 19 of 89
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Established Contributor

Re: Disappointed with Navy Approval

Congrats on the approval. I know the 91/3 will be worth it.

12/18/19






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Authorized User
Message 20 of 89
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