Not exactly sure why she didn't mention it. Perhaps she was new and didn't know, or maybe for some reason she felt she shouldn't say something about the 91/3 rule. Don't know if they can??Maybe they've made exceptions before, rarely, under certain circumstances for certain people. Who knows.
Would have been nice for her to mention it. Moving forward you know the "rule" now, plus they like your profile. It's all good.
For sure, I know now. I'm sure I probably read it here before. There's just so much information on here, it's going to take practice to get good at it, lol.
I'm kicking myself a little. My gut told me to wait and had I come to the forums and asked for advice I would have gotten the lowdown. Lesson learned. I'm just grateful that's all that holding me up.
Congrats!!!
Congratulations 🍾
| AU 
@Anonymous Super Congrats on your Navy Fed CLI and approvals!!! 
A few points. As you saw , Navys prequal is not solid. Many here hail it as if it were Holy Grail but as you saw, both you and the CSR saw all prequals for all cards yet still declined. Second, im shocked you got a Capitol One card with only 2 pulls. I noticed you locked your TU in hopes/ or to prevent Capitol One from pulling TU and said you knew they pulled all 3. We dont condone this here on myFico ( forcing a lender to use other bureaus in hopes of not having a specific one pulled ) and for future reference is not a subject allowed to talk about ( creditors should have right to access the bureaus they need when soliciting credit). Thank you for understanding.
Its highly doubtful Navy will move credit to open a new card so just take the hp and wait a couple months. Id say getting 25k instant on second card is sign they like you and most people dont get 25k instantly. Enjoy your success