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NFCU 2nd approval $20000, first card was $500!

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Anonymalous
Established Contributor

Re: NFCU 2nd approval $20000, first card was $500!

A 40-fold increase, that's pretty nice!

 

The More Rewards is a great card, too.

Message 11 of 25
dcp0524
Regular Contributor

Re: NFCU 2nd approval $20000, first card was $500!


@ericccccc wrote:

I applied for a navy federal Go rewards card 4 months ago and got a credit limit of $500. I was disappointed, but at least was approved. I waited for three full statements and got approved for $20000 (More Rewards American Express).

My Transunion fico 9 is around 750 now, and one 30 days late two years ago.

https://i.postimg.cc/5tJj3pWb/Screen-Shot-2022-11-17-at-10-40-52-AM.png  


Congrats on the approval! 🎉🎉🎉
That's exactly how my approvals went. March 2021 $500 approval More Rewards. June 2021 $20,000 approval Cash Rewards. Now MR has $12,500 and I'm eligible for a CLI in January and I PC'd the CR into a Flagship and it's at $44,000. The plan is to get MR to $30,000 and Flagship to $50,000 and be done with my revolving relationship with Navy. 

Total Revolving: $142,200 - Utilization >1%

Bank/Loans:

Future Apps:

11/14/2022
FICO 8 - EX: 734 | TU: 772 | EQ: 763
VS 3.0 - EX: 741 | TU: 763 | EQ: 774
Message 12 of 25
OmarGB9
Community Leader
Super Contributor

Re: NFCU 2nd approval $20000, first card was $500!

Very nice, congrats!


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 13 of 25
gingerflower
Valued Contributor

Re: NFCU 2nd approval $20000, first card was $500!

Big Congratulations on your 2nd Nfcu Cc 👍

Message 14 of 25
cashorcharge
Community Leader
Senior Contributor

Re: NFCU 2nd approval $20000, first card was $500!

WooHoo!! Congratulations on your NFCU Approval!!👏🏼🍾🥂

Message 15 of 25
KingRue8500
Valued Contributor

Re: NFCU 2nd approval $20000, first card was $500!

Congrats on your NFCU More Rewards AMEX approval




Message 16 of 25
sourpuss29
Frequent Contributor

Re: NFCU 2nd approval $20000, first card was $500!


@ericccccc wrote:

 


@sourpuss29 wrote:

[...]Out of curiosity, what are your Navy stats in terms of how long you've been a member and other products you have?


I have only been with them for four months. My first NFCU credit card was issued the day after I became a member.

I have a flagship account with 10k and a Special EasyStart 1-year account.


Do you happen to know what your internal score is?

Message 17 of 25
CreditCharmer
Regular Contributor

Re: NFCU 2nd approval $20000, first card was $500!


@ericccccc wrote:

I applied for a navy federal Go rewards card 4 months ago and got a credit limit of $500. I was disappointed, but at least was approved. I waited for three full statements and got approved for $20000 (More Rewards American Express).

My Transunion fico 9 is around 750 now, and one 30 days late two years ago.

https://i.postimg.cc/5tJj3pWb/Screen-Shot-2022-11-17-at-10-40-52-AM.png  


Congratulations on that CLI.  🎊🎉 The more distance you put between you and that late payment, the better you'll be.  Two years is a great start.  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 18 of 25
firefox100
Valued Contributor

Re: NFCU 2nd approval $20000, first card was $500!

Congrats second time was charm, enjoy it all.

Message 19 of 25
ericccccc
New Member

Re: NFCU 2nd approval $20000, first card was $500!


@sourpuss29 wrote:

@ericccccc wrote:

 


@sourpuss29 wrote:

[...]Out of curiosity, what are your Navy stats in terms of how long you've been a member and other products you have?


I have only been with them for four months. My first NFCU credit card was issued the day after I became a member.

I have a flagship account with 10k and a Special EasyStart 1-year account.


Do you happen to know what your internal score is?


My internal score is 300

Message 20 of 25
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