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NFCU Low Approval

slickwidit
Frequent Contributor

Re: NFCU Low Approval

congrats on the approval and welcome to the Navy Family! my first card was 1k and my second card 91/3 was 15K. I'm holding off on the third card right now and gardening for a little... not only that I don't know if I want the flagship or not lol.

 

Congrats again!

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)
Message 21 of 27
StessieT
Established Member

Re: NFCU Low Approval

I applied for an auto refinance with Navy the day I opened my account. I was approved at the lowest interest rate for my vehicle (3.89%). Emboldened by my good luck, I decided to apply for the More Rewards card (even though the Cash Rewards showed up as a prequalified offer -- I just didn't really have a use for that card) ... about an hour later, I was approved for... $500.

 

I sent an internal reconsideration message, as I'm trying to hit that $3000/3 SUB...asking if they'd even up it to $750/1000. They wouldn't budge. :-/

 

So, I'm spend-spend-spending away and pay-pay-paying it constantly so that I can hit the spend necessary to grab those 25K SUB points. I've spent about $1000 in two weeks. Hopefully, they will see that I have every intention of using it responsibly.

 

I was initially really bummed out, but after reading here, I have a different frame of mind. Navy apparently really likes relationships, and they were "kind enough" (yes, I know I'm talking about a CU) to extend me TWO different lines of credit without any prior relationship. 

 

Over time, the limit should improve. I do have one question, though, and I only saw one person mention it in the big thread -- but it didn't get a straight answer. The More Rewards is the perfect card for the majority of my spend. If I app, eventually, for second card and it's the Cash Rewards, but with a much higher limit, is Navy amenable to taking some of that 2nd card's limit and applying it to the first card? I probably did everything "backwards," but I really had no interest in the CR card and didn't want it just to have it.


Starting score: 585 EX (August 2019)
Current Scores: 741EX, 761EQ, 779TU
After not having applied for credit in more than four years, just finished an app spree and off to the garden!
BB&TSpectrum $9k
BB&TBright $9k
Capital One Venture One $5.8k
Paypal Cashback $4k
AppleCard $3K
Discover IT $1.5k
Amazon Prime Store $1800
Citi Double Cash $1000
,
Navy More Rewards $3000
,
Navy Cash Rewards$3000
,
BBVA $7500
Message 22 of 27
Chandler455
Established Contributor

Re: NFCU Low Approval

Company line is they don't do it but if you send a secure message they usually do it with "this is a one time courtesy" type of deal

Personal
NFCU platinum 18k | Best Buy visa 10k | NFCU Flagship 8k | discover it 4.7k | kohls 3k | target 800

Business
Hilton Amex 15k | Costco visa 10k | Amex Amazon prime 9k

Ficos TU 831 EQ 805 EX 814
Message 23 of 27
StessieT
Established Member

Re: NFCU Low Approval

@Chandler455 Thanks for the info!! I will keep that in mind going forward!


Starting score: 585 EX (August 2019)
Current Scores: 741EX, 761EQ, 779TU
After not having applied for credit in more than four years, just finished an app spree and off to the garden!
BB&TSpectrum $9k
BB&TBright $9k
Capital One Venture One $5.8k
Paypal Cashback $4k
AppleCard $3K
Discover IT $1.5k
Amazon Prime Store $1800
Citi Double Cash $1000
,
Navy More Rewards $3000
,
Navy Cash Rewards$3000
,
BBVA $7500
Message 24 of 27
importxpresions
Regular Contributor

Re: NFCU Low Approval

Congrats! Hey, they could have said no ... so $500 is a win


Current:




Mortgage applications waiting for market to calm down
Message 25 of 27
texasbred71
New Contributor

Re: NFCU Low Approval


Congrats on your approval. 





Message 26 of 27
gingerflower
Valued Contributor

Re: NFCU Low Approval

Congratulations on your being approved for your Nfcu Cc. Don't be discouraged after 6 months ask for a Cli you will definitely have a higher Cl.

Message 27 of 27
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