Hey everyone, I decided to app for the NFCU Cash Rewards Visa on Wednesday evening. Woke up to an approval email this morning. I was kind of expecting a higher SL due to what I've read on here, but it is an approval and I will take it!
$1000 SL
15.15% APR
Datapoints:
TU FICO 8 658 (don't know what they actually pulled)
Utilization 20% (maybe this is what made them wary)
TU Inquiries 6 (within past 12 months)
Kinda confirms that I really do need to be persist in the garden, but I already knew that. 
Thanks Tigers and GiJane! I've been reading on some of the CLIs people have received so it looks like it's just a matter of time. Can you tell me if they will auto CLI in 3-6 or if I have to do a HP? Also, do they do APR reductions?
WOW! Way to go Bella Super grats on getting your first Navy card. Any doubts on your sl can and will be laid to rest on your next cl request and if that doesnt convince you just look to my little guy i call 500 Platinum boy
Navy is a good reason to journey out of the garden . Now, you dont have to run back, they'll float you back lol Enjoy
Super grats on getting your first Navy card. Any doubts on your sl can and will be laid to rest on your next cl request and if that doesnt convince you just look to my little guy i call 500 Platinum boyNavy is a good reason to journey out of the garden . Now, you dont have to run back, they'll float you back lol
Enjoy
@AverageJoesCredit wrote:
WOW! Way to go Bella
Navy is a good reason to journey out of the garden . Now, you dont have to run back, they'll float you back lol
Thanks, AJC! I couldn't seem to find a thread where you divulged your NFCU Platinum CLI, so please do tell!
Cant remember off top of my head but i know my thread was from back in Feb . I think it was called Rebuild Complete or something like that. Anyway, thanks to Uncle B's post letting us know Vets were able to join now, i was all ready to join via NLSD, i joined and within 2 days was approved for membership.
Even though i was carrying some high balances, i decided to app for the Platinum card . Never received any welcoming calls like ive been seeing lately nor did i get any email on approval but noticed they did approve me for the minimum $500. Recon was a bust, guess they either didnt like my income or maybe like PF, a DTI was the issue.
But i guess theres hope, PF just gave a 1k increase through recon and hopefully Navy will do so too as i build history.
Even though i was carrying some high balances, i decided to app for the Platinum card . Never received any welcoming calls like ive been seeing lately nor did i get any email on approval but noticed they did approve me for the minimum $500. Recon was a bust, guess they either didnt like my income or maybe like PF, a DTI was the issue.
But i guess theres hope, PF just gave a 1k increase through recon and hopefully Navy will do so too as i build history
.
Bella I believe from what I've read here on the forums is that it's 90 days plus AR to get a soft pull CLI if not it'll most likely be a hard pull if there has not been an AR...my fellow myficoer's please chime in with better & accurate info in regards to Navy Fed CLIs! Thank you in advance! 😊
@Anonymous wrote:Thanks Tigers and GiJane! I've been reading on some of the CLIs people have received so it looks like it's just a matter of time. Can you tell me if they will auto CLI in 3-6 or if I have to do a HP? Also, do they do APR reductions?