@msml_2020 wrote:
I couldn't say which criteria had the most weight - being in good standing on my secured card or being a year out from DC. However, I suspect based on everything I've read here that the good standing was probably more important than the DC being a year old. Hope that helps!
Yes, in my experience, I think Navy goes more by your status at the moment. When I got approved for the cashRewards card about 7 months after I caught up with my bad 90-day late, I was not in good shape in some ways. High util, low income, mediocre credit score. (However, my debt to income was okay.) The Navy rep I talked to emphasized that I was up to date at the moment–that the bad stuff was behind me and I was keeping up. She seemed to think that I had a shot because of that. And I got a 1K unsecured cashRewards!
And also, I guess they had a way of knowing that if I got a card with them, I'd be ALL IN with them forever. And I am. I love love love my AMEX Navy card and put a lot through it each month.
On "paper" my profile was not great and my baddie was not that old, but they judged me by how I had successfully cleaned up my act. The second card they gave me (when my 90-day-late was about a year old on TU) had a 17K limit. (And I'm low income!)
