I got approved for Navy Federal Cash Rewards with a 540 credit score!!!

[Anonymous]

I used this forum to repair my credit when I bought my house. Unfortunately, due to unemployment I am back here trying to repair my credit again. I have a secured mRewards card with Navy Federal that will hit the 6th month mark in December. I have been anxiously awaiting my graduation. 

Luckily, I came across a youtube video that suggested to get preapproved and apply between 12 am and 5 am in the morning when humans are not around. It would increase your chances of getting approved. I ended up being approved for all cards and tried my luck with the cash rewards card. 

I was approved for $1000. I know it's not a lot compared to what others are being approved for but my Transunion is 540 so I cannot complain. I finally have a non-secured credit card again!

[Anonymous]

Congratulations!  

Most of my apps and approvals have also been in the wee hours when my kids are sleeping.  

[M_Smart007]

Congratulations on your Navy Approval..

[AverageJoesCredit]

no one should ever complain if they can get a Navy unsecured card let alone sub 600 score. Great job

[spiritcraft1]

That is excellent, Congrats!  I too was a sub 600 approval for that second card.  I gave up trying for number three until I my TU score jumps next month however.  I have three INQ's that were denials from 620-650 or so.

[cashorcharge]

Congratulations on getting a card with NFCU!

[AllZero]

Congratulations on your approval!

[BmoreBull]

Congrats and best of luck with your rebuild.  A ton of helpful people and info here. 

[gdale6]

Grats on getting your foot in the Navy door and welcome to myFico

[coreyb80]

Congrats on the approval! Treat them good and they'll treat you even better!