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Double Approvals!!

Credit305
New Contributor

Double Approvals!!

Today I hit my 91/3 from my second NFCU and it was time to go for the 3rd and last navy card. I currently hold a balance on a closed account with American Airlines CU about $9400.00. So It will only make sense to go for the Platinum and take advantage of the BT 0% for 12mths. TU shows 714 on F8. I was really hoping for something like my 2nd Navy card 20k but it was not the case. I was approved for $10600.00 not so bad at all. I know 10600 is not going to cut it so I need it another BT card. EX is my lower score F8 690 but didn't want to get a hard pull from EX I'm trying to build up for my second AMEX. On JUL13 I applied for the Penfed CR and was denied with a F8 714. Since I know penfed only pulls EQ decided to give it another shot this time. I went for the Gold and was approved for 5k with even a lower score F8 688. The apr on both cards are not the lowest Navy-12.99 PEN-17.99 but at least it will be 0% for the next 12 months. I really wanted to get into chase with the 80K Bonus for the CSP but I'm way far for that 5/24 rule. So I decided to get everything I need this year that way by 2022 I"ll be having a really strong score on all 3 bureaus and get some of that chase love. Recently opened a Savings with chase threw in $300 in there and I'll add some more down the road to establish some relationship. I don't really want any more cards in the future except for the Amex Gold. I'm just waiting for my EX score to hit mid 700 before applying. Here are some DP and quick facts about my credit journey have 4 accounts closed do to late payments and delinquency back from 2019 with KAY JWRLS, BOA, WF and AACU. Late payments in some of those accounts with 30,60,90 and even 120 days. All accounts were PIF except for the AACU ($9600 balance there ACCT CLOSED). This is the only thing affecting me right now UT on this card is about 68%. My overall UT is 2% on all my active cards always PIF. I think I've done a pretty good job this year. Started my rebuilding back on OCT 2019. Capital PLAT open 01/20 $750, Comenity EXP 01/20 $250, Comenity VICSC 01/20 $500, Comenity WAyF 01/20 $750, Discover 02/20 $2k, NFCU CR 02/20 $2k, NFCU MR 06/20 $20K and AMEX HSurpass 06/20 $1k. I hope this helps anyone out there in the same boat and remember try to include as much DP as possible on your approvals post. Do not post just the Bank and amount you got approved for just to get congrats replies. We all learn from each other here is good always to contribute some data. Thank you all in the community and be safe. Screen Shot 2020-09-23 at 6.57.54 PM.pngScreen Shot 2020-09-23 at 9.37.49 AM.png





Message 1 of 23
22 REPLIES 22
AllZero
Mega Contributor

Re: Double Approvals!!

Congratulations on your approvals!

Message 2 of 23
cashorcharge
Valued Contributor

Re: Double Approvals!!

Congratulations on your approvals. Good luck on that road ahead!

Message 3 of 23
CYBERSAM
Valued Contributor

Re: Double Approvals!!

Congrats on your approvals 👍👍







Message 4 of 23
mrcraft
Valued Contributor

Re: Double Approvals!!

Congratulations on your approvals!!






Message 5 of 23
M_Smart007
Epic Contributor

Re: Double Approvals!!

Congratulations on your Approvals!!..

 

 

Message 6 of 23
blindambition
Community Leader
Senior Contributor

Re: Double Approvals!!

Congrats on the approvals!!! While maybe not the limits you wanted, both lenders have definite growth potential. In a year, ask Navy for APR reduction. 👏🏻 

Message 7 of 23
TSlop
Valued Contributor

Re: Double Approvals!!

Congrats on your approvals and good luck in the future!


Message 8 of 23
Meanmchine
Super Contributor

Re: Double Approvals!!

Congrats x2


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 9 of 23
FixingMy3
New Contributor

Re: Double Approvals!!

Congrats on your approvals! I think today was my 91/3 also (I got approved for my first Navy card on 6/24). Did you try to prequal for the AMEX gold already?

Message 10 of 23
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