I joined Navy Fed yesterday since my daughter is a member. I debated applying for a card since I am holding out for a new Chase card - I'll be 4/24 in December. But DANG the Platinum's terms are so attractive compared to Chase! No fee balance transfer and lowest APR I have seen anywhere?! I really needed a balance transfer card so I pulled the trigger and approved for $10,000 with 0% BT and the LOW LOW LOW 7.74% APR after that! While my SL is not nearly as impressive as someone else's approval earlier today (I DID congratulate him though ), I am more than pleased with that rate.
... approved for $10,000 ....
Good for you. Congratulations. Do you have any data points you'd care to share with the masses?
Not sure if they used FICO9 or if they have their own internal scoring - some threads have indicated both?
Pretty sure they pulled TU which is 778 (FICO9 according to Penfed )
FICO8 EX is 764
FICO8 EQ is 762
Total income is $110k
Those seem like decent numbers but my overall utilization is 20%. I have a thick file with a number of trade lines, mortgage, student loans etc.