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NFCU 24 k CL ! after decline and Recon by secure Msg

morgacj2004
Valued Contributor

NFCU 24 k CL ! after decline and Recon by secure Msg

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
Message 1 of 20
19 REPLIES 19
toi34
Established Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Awesome!

Message 2 of 20
donny10
Senior Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

That is outstanding! Congratulations!

Message 3 of 20
Aduke1122
Senior Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Wow that's AWESOME OP congrats to her !
Message 4 of 20
oldman425
Frequent Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

I assume you have to be a member in order to apply for a NFCU credit card.

12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Message 5 of 20
morgacj2004
Valued Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Yes u do have to be a member to apply. She is a member and is listed as a secondary on my Visa account. Not only did she get approved but her ICL is higher than mine which is at 17.5 k.

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
Message 6 of 20
oldman425
Frequent Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Thanks.  I'm not prior service and my Dad who is retired after 29 years is not willing to give me his info to open an account, which I fully understand.

12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Message 7 of 20
TA8088
Valued Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Outstanding! This is why you always always recon because you just never know how it might turn out. Congrats to DW. Looks like you have some catching up to do now morgac. 

Message 8 of 20
TA8088
Valued Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg


@oldman425 wrote:

Thanks.  I'm not prior service and my Dad who is retired after 29 years is not willing to give me his info to open an account, which I fully understand.


Do a search here on the forum for NFCU and Navy Leage of San Diego and you'll find your answers and your way in without your father's info. 

Message 9 of 20
pc01user
Regular Contributor

Re: NFCU 24 k CL ! after decline and Recon by secure Msg

Wow! That's some surprising CLI. Reconsideration really works!

Thanks for sharing!

Message 10 of 20
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