cancel
Showing results for 
Search instead for 
Did you mean: 

First post, joined the 4 and 5 digit club the same day!

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Member

First post, joined the 4 and 5 digit club the same day!

Good evening! Just wanted to share my experience with Navy Federal today!

I joined with a savings account about 3 months ago. I opened it with the minimum $5. Applied and got instant approval for $500 on the Go Rewards (roughly 588 FICO, a decent amount of baddies).

I used the card for gas for 3 months, spent about $200 a month and always paid the statement balance.

Fast forward to today, I applied for a CLI of $2500 (couple baddies removed and FICO of roughly 660 and income of $35k). Pended, called and they said actually you were approved for $1000 additional bringing my limit to $1500. I was ecstatic!

I decided to apply for the Cash Rewards while I was riding that high and was approved.......for $15k! This brings my revolving utilization down to 4%. I'm so happy I joined Navy Federal!
10 REPLIES 10
New Contributor

Re: First post, joined the 4 and 5 digit club the same day!

congrats!!


Uber Visa $11k | PNC Cash Rewards $15k | Amazon Prime Visa $4.5k | Chase FU $7.5k | Discover it $15.7k | Discover Miles $15.7k

TU 792 as of 3/01/2019
Message 2 of 11
Valued Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congrats on the double approvals. Navy is awesome.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 3 of 11
Frequent Contributor

Re: First post, joined the 4 and 5 digit club the same day!


@Spersack wrote:
Good evening! Just wanted to share my experience with Navy Federal today!

I joined with a savings account about 3 months ago. I opened it with the minimum $5. Applied and got instant approval for $500 on the Go Rewards (roughly 588 FICO, a decent amount of baddies).

I used the card for gas for 3 months, spent about $200 a month and always paid the statement balance.

Fast forward to today, I applied for a CLI of $2500 (couple baddies removed and FICO of roughly 660 and income of $35k). Pended, called and they said actually you were approved for $1000 additional bringing my limit to $1500. I was ecstatic!

I decided to apply for the Cash Rewards while I was riding that high and was approved.......for $15k! This brings my revolving utilization down to 4%. I'm so happy I joined Navy Federal!

Welcome to the Forum! Smiley Very Happy

 

Super Congrats on your Navy Fed 4 and 5 digit approvals!

Starting from a $500 Go Rewards SL to a $15,000 SL on the

Cash Rewards card is quite the accomplishment. Good for you! Smiley Very Happy

 

Your FICO score popped over 70 points in 3 months.

No doubt your scores will continue to rise as you care

and feed your cards on a monthly basis going forward.

Congrats once again on your success. Thanks for sharing! Smiley Very Happy

 

P.S. Which credit file did they pull for your approvals?

Message 4 of 11
Valued Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congrats on your CLI and Approval! Sweet SL!

Currently: Gardening since 12/29/2019




Message 5 of 11
Senior Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congrats on your approval and very masive SL !!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 11
Established Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congrats! Smiley Very Happy




Message 7 of 11
Member

Re: First post, joined the 4 and 5 digit club the same day!

Sorry, forgot to mention they pulled Equifax! I've been a long time lurker but I finally had something worth posting 😁😁
Message 8 of 11
Valued Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congrats on the CLI and new SL!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 9 of 11
Senior Contributor

Re: First post, joined the 4 and 5 digit club the same day!

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.