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NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

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Frequent Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*


@spiritcraft1 wrote:

Congrats.  Share your internal NFCU score when you get it if you could.  It will come on an announcement mailer.


Will do! I know it was 308 or 318 or something, maybe a little more. But in the lowish 300s three months ago after I was first approved for the cashRewards card. I'm dying to know what it is now!

 

I'm really excited about the rewards (3% off gas and groceries are THE biggest thing for me) and the sign-up bonus? Oh yeah! I'm so grateful!

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Feb 14, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000AMEX Cash Magnet, $1000Citizens Bank, $2,800RIP Green Dot Platinum
Overstock $5,750, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, AMEX Cash Magnet $1000, Citizens Bank Cash Back $2,800, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 11 of 41
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Regular Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

This was me last night! I definitely wasn't expecting the limit I got, especially cuz I had never had a card with them. I'm definitely a fan of them now even more than I was before! Congrats!




FICO Scores (current as of November 30, 2019): Equifax: 765 | Experian: 776 | TransUnion: 747


Message 12 of 41
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Valued Member

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

Congratulations on the approval and awesome starting limit!



Message 13 of 41
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Community Leader
Mega Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

Awesome jobSmiley Happy if that is the lowest apr for the card you wont get your internal score fyi. I love when LIErs get true loveSmiley Happy. Very few of us here on myFico and when one of us succeeds, a credit angel gets its wingsSmiley Happy
Message 14 of 41
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Regular Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

Congrats on the approval and monster SL!




Starting FICO-8 as of February, 2019:

Current FICO-8 as of February, 2020:

Message 15 of 41
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Established Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

A huge congratulations on your new account opening and ginormous SL. I too joined NFCU yesterday and had same result with my SL of 1k. I was actually shocked with it at first. But I’ve seen so many people getting great 2nd cards with huge SL. Enjoy the new card.
NFCU AMEX Rewards 25,000 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 7,600
Citi Double Cash 10,300
Citi Simplicity 2,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 4,500 Chevron 900 Fico 8 Scores EQ=754EX=698 TU=728 Scores and CL current as of 02/03/20 AAoA=2years6minths AoOA=17yrs
Message 16 of 41
Valued Member

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

BIG Congrats !
NAVY ROCKS !
Message 17 of 41
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Valued Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

BOOM...You...

Awesome Congratulations GIF by Slanted Studios

HUGE CONGRATS  on your NFCU More Rewards AMEX card Approval. the  MASSIVE   SL, and Thanks for the DPs!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 18 of 41
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Valued Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*


@spiritcraft1 wrote:

Congrats.  Share your internal NFCU score when you get it if you could.  It will come on an announcement mailer.


 

Scores don’t matter.

 

I had 745 Fico and 333 internal when I got $1k card.

 

92 days later, I got $2k cli and $20k flagship with lower Fico and lower internal score and more inquiries and more debt (0%).

 

Its all about relationship.

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver





                           
           
Message 19 of 41
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Established Contributor

Re: NAVY FED!!! NAVY FED!!! *SHOCKED AND SPEECHLESS*

That’s nuts but congratulations on your 92 day success. What is the internal score numbers? And how does it work?
NFCU AMEX Rewards 25,000 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 7,600
Citi Double Cash 10,300
Citi Simplicity 2,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 4,500 Chevron 900 Fico 8 Scores EQ=754EX=698 TU=728 Scores and CL current as of 02/03/20 AAoA=2years6minths AoOA=17yrs
Message 20 of 41
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