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NFCU Platinum - Navy Doesn't Disappoint!

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toddc
Regular Contributor

NFCU Platinum - Navy Doesn't Disappoint!

After my BoA 10+ year graduation, I was feeling a little lucky.   I opened a NFCU checking/savings/money market account back around christmas.  I tried applying back then for a few of their unsecured credit cards and basically got a generic you have no relationship with us kind of response.   I applied for and was approved for a secured credit card back in January with $200 limit.  I really haven't put much spend through it, I maybe put through $100 a couple times and paid it off before the end of the cycle.    A month or two ago transferred $5,000 into my money market account with them and let it sit.    And now I have AZEO - 1% utilization and BofA likes me today so I figured lets try navy, I haven't gotten any communcation (cl increase or otherwise) after 91 days about my secured account.

 

I just apped for the platinum, because I like the idea of no annual fee and low(er) interest (all my interest rates suck, my navy secured card is the lowest by far at 18%).  Well not any more, BAM instant approval $7,500 at 14.99 my highest limit of any visa/mastercard traditional credit card.   I'd really like the flagship but already got denied once for that or the cashrewards (i'm hoping my secured graduates and converts to eventually).    Now I'm off to the garden, at least for 91+ days until I can (hopefully) get another navy card.     

 

You guys are the best, I couldn't have done it without you!

 

navyapproval.jpg

Message 1 of 30
29 REPLIES 29
M_Smart007
Legendary Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

Congratulations on your NFCU Platinum approval!

Message 2 of 30
M_Smart007
Legendary Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

@toddc, Mark your calendar for (1) year from todays approval,

call in or send a secure message and request a APR reduction.

Message 3 of 30
CreditAggie
Community Leader
Super Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

Congratulations on your NFCU Platinum approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 30
CreditMagic7
Mega Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

Congrats on the new NFCU Platinum Card approval!

Message 5 of 30
Credit4Growth
Senior Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

I know it has been a few months already but welcome to Navy.

Congratulations on your Platinum approval! 🍾 🥂
Message 6 of 30
toddc
Regular Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!


@M_Smart007 wrote:

@toddc, Mark your calendar for (1) year from todays approval,

call in or send a secure message and request a APR reduction.


Definitely will do thank you for the advice! They're always so nice when you call customer service.   I just called and asked for overnight delivery (because it took forever for my secured card 15+ days) and they said sure no problem. I mean I have to pay $10 but they said I should have the card tomorrow (we'll see, fingers crossed).  

Message 7 of 30
gdale6
Moderator Emeritus

Re: NFCU Platinum - Navy Doesn't Disappoint!

Grats on your Navy platinum approval, nice SL Smiley Happy

Message 8 of 30
chalupaman
Super Contributor

Re: NFCU Platinum - Navy Doesn't Disappoint!

Awesome work! Welcome to the NFCU family. Smiley Happy

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 30
doz4life
Established Member

Re: NFCU Platinum - Navy Doesn't Disappoint!

Congrats on your approval!!!

Message 10 of 30
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