A fantastic story, congrats to your success and your DDs 
@AverageJoesCredit wrote: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
@AverageJoesCredit thank you for clueing me in about the CapOne pulls. I had no idea it was frowned upon, nor did I know it violated forum rules. I don't remember where I got it from, but it may have been on another forum. I was just trying to keep my inqs low since I had just gotten the TU pull from Navy. So yeah, I won't be doing that again, lol.
*Edited to remove question that may have been in violation of forum rules.
@AverageJoesCredit wrote:Id say getting 25k instant on second card is sign they like you and most people dont get 25k instantly. Enjoy your success
Wow! Didn't know that was so unusual. Makes me feel even better.
@Anonymous wrote:
@AverageJoesCredit wrote: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
@AverageJoesCredit thank you for clueing me in about the CapOne pulls. I had no idea it was frowned upon, nor did I know it violated forum rules. I don't remember where I got it from, but it may have been on another forum. I was just trying to keep my inqs low since I had just gotten the TU pull from Navy. So yeah, I won't be doing that again, lol.
*Edited to remove question that may have been in violation of forum rules.
No worries, and it wasnt meant to taint your approval. Other forums may and do questionable things in regards to credit but here we try to keep it on the level. If you have questions regarding Forum TOS feel free to pm a Moderator or a CL, though im sure Mods can give you more in depth answer lol.
@Anonymous wrote:
@AverageJoesCredit wrote:Id say getting 25k instant on second card is sign they like you and most people dont get 25k instantly. Enjoy your success
Wow! Didn't know that was so unusual. Makes me feel even better.
Yeah, although ive noticed most people who get the 25k plus limits usually have high income, many low dti and even with imperfect credit, they usually can pull off 2 or 3 cards with 20k plus limits.
How good is Navy to the rest of us??? After 3 years i finally achieved a 25k cc with them.....and i dont even make that
