NFCU Approval

[Keyluv44]

Good afternoon everyone,

First post since applying for a Nav Fed CC.  I have been a member for 25 years but only recently been using my account as my primary.  Since reopening my account about a year ago I have transferred my direct deposit about 6months ago.  I have been working on my credit this due to being denied the cash rewards card twice.   I had not applied for any new credit for about 9 months or so, I would say since their last denial.  Since working on my credit by paying down my cards to lower my utilization, the process has been up and down. I learned how to judge when my cards get reported so i would maintain low balances for that time frame.  Fast forward to Nov 2019 I decided to reapply for the Cash rewards card ( my scores at the time were low 600's) but my income had increased.  So I applied and BAM 15k limit!  Highest ever!  While I am thankful because this allows me to pay down other cards and just have ONE CC payment, I wondered when I was going to see the credit pull.  Turns out they only did a soft pull and approved me.  Has this happened to anyone else?  I am just curious, however they did wait until after the second statement to report.

Thanks in advance,

keyluv44

[M_Smart007]

Welcome To myFICO Forums and

[Anonymous]

Congrats on the approval and the SL.

[AllZero]

Congratulations on your approval!

[Keyluv44]

Thanks!!!!

[thornback]

Congrats on your approval!!

We've seen a slew of SP CLIs since early December - but you're only the 2nd person (that I've seen) to receive an SP new card approval.

Hmmm... interesting 🤔

BTW, welcome to the forums!

[simplynoir]

Welcome to the forums and congrats on you approval!

[Anonymous]

Congrats on your Navy Federal approval!

[Keyluv44]

I agree! after reading many posts I thought I would just check my inquiries  after the cc reporting was done....nothing. but my discover IT card I got just in december did a hard pull with only a $1500 limit.

[Meanmchine]

Congrats !