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

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Anonymous
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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
Anonymous
Not applicable

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

congrats!!

Message 2 of 11
Anonymous
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Re: First post, joined the 4 and 5 digit club the same day!

Congrats on the double approvals. Navy is awesome.
Message 3 of 11
Anonymous
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Re: First post, joined the 4 and 5 digit club the same day!


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

Congrats on your CLI and Approval! Sweet SL!

Message 5 of 11
Anonymous
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Re: First post, joined the 4 and 5 digit club the same day!

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

 

 

Message 6 of 11
Anonymous
Not applicable

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

Congrats! Smiley Very Happy

Message 7 of 11
Anonymous
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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
xaximus
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 770 +
TCL - Est. $410K
Message 9 of 11
19eighty5
Senior Contributor

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

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 10 of 11
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