So my wife recently was declined for her first NFCU card. Here is a copy of the secure recon message and their reply which took less than 24 hrs. Navy Rocks!
Subject: Recent credit card application
Navy Federal Response 12/17/2016 :
Thank you for your inquiry as to why your recent credit application was not approved. Because we take our members concerns seriously, we conducted a second review of your application. We are pleased to inform you that your recent credit card application has been approved for $24,000.00. Your new credit card has been issued to your address of record and should be received within approximately seven to ten business days. You will have access to your new account through Navy Federal Online in 24-48 business hours.
If we can be of any further assistance, please let us know, or if you prefer, you may also call us toll-free any time at 1-888-842-6328.
Your Message 12/16/2016 : I recently applied for a Visa card from you and was denied. I am already the secondary on my husbands account but wanted to establish my own account. My scores are around 700 with no negatives of any kind for the past 4 years. My husband has the same history and scores and was given a card. I would like to ask for reconsideration in approving this application. Thankyou in advance.
AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550