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NFCU 1st Card - BOOOM $25k @ 7.49%

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ldkcivilservant
Frequent Contributor

NFCU 1st Card - BOOOM $25k @ 7.49%

Closed on my house today, so went and applied for the card I had my eye on - NFCU Plat.

 

This is my first card with them, member for only 3 months.

 

Massive intial approval @ lowest APR! Navy rocks!!

NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19.7k | Chase Freedom Unlimited $16k | Bank Americard $16k | Discover IT $13K | NFCU Flagship Rewards $10k | GS AppleCard $5.5k | Citi Simplicity $3k
Message 1 of 36
35 REPLIES 35
AllZero
Mega Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Congratulations on your approval!
Message 2 of 36
Anonymous
Not applicable

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Congrats on the new home and the awesome Platinum approval!

Message 3 of 36
Aim_High
Super Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Boooommmm is right! Smiley Surprised

Congrats on that very-high SL and killer APR!

 

Navy_Victory_Iowa.jpg

 

That is an awesome SL from Navy!

 

And it just goes to show you how much they value relationship.  I opened accounts with them, let them age 30 days without use and applied for Platinum.  Even with being prior military, 800+ FICO, low DTI, and very high income, they only approved me for $10K on the Platinum, although at lowest interest rate. (But I have also been approved for several other cards this year, so that might have affected my limit?)

 

So your three months membership certainly helped, and did you get the mortgage through them as well?

 

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 4 of 36
ldkcivilservant
Frequent Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Nope didn't get the mortgage through them. 

 

I honestly was shocked! I was expecting an approval, but maybe at $5k or a toy limit. Wasn't expecting $25k!

NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19.7k | Chase Freedom Unlimited $16k | Bank Americard $16k | Discover IT $13K | NFCU Flagship Rewards $10k | GS AppleCard $5.5k | Citi Simplicity $3k
Message 5 of 36
Aim_High
Super Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%


@ldkcivilservant wrote:

Nope didn't get the mortgage through them. 

I honestly was shocked! I was expecting an approval, but maybe at $5k or a toy limit. Wasn't expecting $25k!


Wow, congrats again!  Even more impressive!  Smiley Very Happy

Do you have data points to share? 

FICOs?  Debt/Utilization? Income? Other cards?


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 6 of 36
ldkcivilservant
Frequent Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

TU F8 was 807 this morning before the inquiries. Others are 790+

 

3/24 inquiries.

 

<1% util, $82k income. ABout 2% DTI before the mortgage hits Smiley Happy

NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19.7k | Chase Freedom Unlimited $16k | Bank Americard $16k | Discover IT $13K | NFCU Flagship Rewards $10k | GS AppleCard $5.5k | Citi Simplicity $3k
Message 7 of 36
Ecast6680
Valued Member

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Can anyone tell me more about Navy? How do I go about getting a CC with them? I don't have any account with them but heard they are good. I currently have accounts with WF, checking and savings but no CC cause I heard they were strict. My Fico 8 is 596 Experian. I currently have a Cap1 secured that's been open 14 months and a QS1 that's been open for 8 months. They both have embarrassing low limits. I'm trying to get another CC and get my credit in check after being a daily drinker for 28 years. Three years sober now. Any help would be greatly appreciated. Blessings

Starting Score: 492
Current Score: 619 Exp F8
Goal Score: 670


Take the myFICO Fitness Challenge

Message 8 of 36
simplynoir
Community Leader
Mega Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

Congratulations on your awesome approval

Message 9 of 36
Marz2002
Senior Contributor

Re: NFCU 1st Card - BOOOM $25k @ 7.49%

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your NFCU 1st Card approval, the MASSIVE SL, and Welcome to the Navy Federal family!!! Smiley Very Happy  

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 10 of 36
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