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NAVY 91/3 Second Card Approval

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Valued Contributor

Re: NAVY 91/3 Second Card Approval

Congrats on your NFCU Flagship approval! Awesome SL! Smiley Very Happy

Currently: Gardening since 12/29/2019




Message 11 of 22
Established Contributor

Re: NAVY 91/3 Second Card Approval

Wow, congratulations! I'm considering joining Navy Federal. My father was a veteran of WWII; he crossed France and Germany with General Patton. My son has a T-shirt that says, "My Grandfather Helped Liberate Europe".

 

However, my father is long dead. Does anyone know if I still qualify? How do I sign up? (Sorry to hijack the thread!)

 

Thanks!

Message 12 of 22
Community Leader
Senior Contributor

Re: NAVY 91/3 Second Card Approval

Congratulations! If I wasn't gardening...


FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 13 of 22
Established Contributor

Re: NAVY 91/3 Second Card Approval

Congrats!!!! This is awesome!
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 14 of 22
Valued Member

Re: NAVY 91/3 Second Card Approval

you are fine to apply for membership. I got in with them over the phone back in August. my grandfather served in WW2. i looked up all his info online including his DOB, SS#, and service dates so id be prepared when i called. it was surprisingly painless. they asked me what branch he served in but never asked his name or details! oh, and he passed away in 1970. I love navy!! Smiley Happy

NEW MORTGAGE:
Wells Fargo: $110,000 (9/18) Not reporting yet

LINE OF CREDIT:
NFCU CLOC $4,000 (11/30/18)

CREDIT CARDS:
NFCU Go Rewards Sig Visa: $15,000 SL (12/18)
NFCU Cash Rewards Visa: $3000 / $1,000 SL (9/18)
AMEX Delta Gold: $1,000 SL (9/18)
Discover It: $2,500 (graduated 7 statements+3 days) $300 secured SL (2/18)
Capital One Quicksilver MC: $500 (auto CLI at 6th statement cut) $300 SL (3/18)
BOA Americard MC (secured): $300 SL (2/18)

STORE CARDS:
Amazon Prime Store Card: $1,000 SL (9/18)
Target: $200 SL (9/18)
Walmart: $200 SL (9/18)
Wayfair: $8,000 / $500 SL (9/17)
Kohls: $500 SL (9/18)
Victoria's Secret: $1,500 / $500 SL (3/18)
Ashley Stewart: $1,100 / $350 SL (3/18)

FICO 8:
(02/01/18) TU: 616 | EQ: 617 | EX:631
(09/07/18) TU: 634 | EQ: 603 | EX:624
(11/14/18) TU: 650 | EQ: 619 | EX:646

FICO 9:
(11/03/18) TU: ??? | EQ: 652 | EX: 666

MEDICAL COLLECTIONS REPORTING:
TU: 2 | EQ: 2 | EX: 2
Message 15 of 22
Regular Contributor

Re: NAVY 91/3 Second Card Approval

@spiritcraft1

I think your 600 does matter that much to Navy, they liked my income and history I had with them.

I used my cash reward card twice in the last three months and paid in full each time.

And still got 20k with a very low TU score.
Starting Fico (6/29/18):EX 610, TU 595, EQ 603
Fico (9/1/18):EX 620, TU 599,EQ 631
(10-1-18) EX 630, TU 607, EQ 641
Goal: 670(Jan'19)

,
Message 16 of 22
Established Contributor

Re: NAVY 91/3 Second Card Approval


@Thaitea007 wrote:
@spiritcraft1

I think your 600 does matter that much to Navy, they liked my income and history I had with them.

I used my cash reward card twice in the last three months and paid in full each time.

And still got 20k with a very low TU score.

 


 

Thank you.  I have suspected that I might actually be approved for an unsecured card with NFCU before a few of the usual secured card suspects.  I have been thinking it would be a complete crapshoot though until I was ove 600.  But then again NFCU seems to have this secret "internal scoring model".  If that is really the case and not just theory, perhaps my solid spending and PIF history might account for something.

 

Way to slam it home though...  that will change a few things regarding your file.

 

Here is my first ever "offer"...  It is "good" until the end of Dec and I should be over 600 by then so perhaps...

 ---

Earn 50K Bonus Points With Our Premier Card1

You’re invited to apply for our redesigned premier card—the Visa Signature® Flagship Rewards Credit Card. Featuring a new reward structure, you’ll now earn 3X points on all travel purchases, including:

• Airline and Train Tickets
• Ride-Sharing Services
• Hotel Stays
• Tolls
• Car Rentals
• Parking

Plus, you’ll continue to earn 2X points on everything else.


As a Flagship cardholder, you’ll also enjoy:

50,000 BONUS POINTS
Get 50,000 points after spending $4,000 in the first 90 days of opening your account.1 That’s enough for a $500 flight, hotel stay, car rental, cash back or gift cards.

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Pay a $0 intro annual fee for the first year; a $49 annual fee applies thereafter.2

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As an added benefit, receive a statement credit of up to $100 when you apply for Global Entry or TSA Precheck.3


From tolls to terminals, you’ll earn more points to go more places with our new premier Visa Signature Flagship Rewards Card.

Don’t miss this opportunity to turn your purchases into exciting new adventures.

Offer expires Dec. 31, 2018.

 




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 17 of 22
Regular Contributor

Re: NAVY 91/3 Second Card Approval

Decided I should also add the CLOC, approved for 5k, that’s what I asked for.
Didn’t see if I could get the whole 15k, but I will do that sometime later.
Starting Fico (6/29/18):EX 610, TU 595, EQ 603
Fico (9/1/18):EX 620, TU 599,EQ 631
(10-1-18) EX 630, TU 607, EQ 641
Goal: 670(Jan'19)

,
Message 18 of 22
Community Leader
Mega Contributor

Re: NAVY 91/3 Second Card Approval


@ridgebackpilot wrote:

Wow, congratulations! I'm considering joining Navy Federal. My father was a veteran of WWII; he crossed France and Germany with General Patton. My son has a T-shirt that says, "My Grandfather Helped Liberate Europe".

 

However, my father is long dead. Does anyone know if I still qualify? How do I sign up? (Sorry to hijack the thread!)

 

Thanks!

 

Ridgebackpilot, that is awesomeSmiley Happy Definetely take advantage of your opportunity your father left you. You should be good. Give Navy a call let them know you are interested in joining and explain your situation. Im sure they will be glad to helpSmiley Happy


#ChaseCreditCardHobby Enthusiast
2022
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Message 19 of 22
Frequent Contributor

Re: NAVY 91/3 Second Card Approval

Congratulations!! I absolutely love the CLOC! 👌🏾

A response on the CLOC comes in 3 flavors. Approval, Denial, or Counter Best Offer. Better to have asked for the full line - unless, of course, you had no desire.

I expected $2k - 4k. Decided to swing for the fences given the known counter best offer, and ended up getting the full $15k. If the difference matters to you, might be worth it to ask what if...

06.2019

03.2018

NFCU CLOC: $15,000
Message 20 of 22
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