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Navy Amex Rewards APPROVED + CLI!!

alohawinn
Established Contributor

Re: Navy Amex Rewards APPROVED

Congratssss! Navy give away awesome SL for 2nd card lately like candies!!!!  Dont you love NAVY now? Smiley Wink





Amex Platinum NSPL || Amex Everyday $2k || Amex BonVoy $10k || Amex HH Surpass $16k|| Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.6|| Walmart store $8.5K
Message 11 of 24
jaeski33
Frequent Contributor

Re: Navy Amex Rewards APPROVED

I sure do😆



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 12 of 24
jaeski33
Frequent Contributor

Re: Navy Amex Rewards APPROVED


@AverageJoesCredit wrote:
Yeah Cloc is a different beast. I never went for one , but I do know it's a different departmentSmiley Happy

Maybe you'll get your cli too, nothing written in stone lol
Well, CLOC increased was denied. Would six months be better on this one??



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 13 of 24
AverageJoesCredit
Mega Contributor

Re: Navy Amex Rewards APPROVED

Wow, cli too congratsSmiley Happy. Yeah give it 6 months on the Cloc, remember they just gave you 21k in new credit sp what's a couple of months? Smiley Wink
Message 14 of 24
jaeski33
Frequent Contributor

Re: Navy Amex Rewards APPROVED

Well, it was a HP on TU for the Amex Rewards but still understandable. I'd just like to get that to max because I used 45% of the original limit to pay off a bad high interest loan. I can wait though.



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 15 of 24
VoltronM
Senior Contributor

Re: Navy Amex Rewards APPROVED + CLI!!

Congrats on Approval and nice CLI

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 16 of 24
jaeski33
Frequent Contributor

Re: Navy Amex Rewards APPROVED + CLI!!


@VoltronM wrote:

Congrats on Approval and nice CLI


Thanks! Funny thing though--CLI Showed up right after approval--New card 2nd day/a no show.



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 17 of 24
AverageJoesCredit
Mega Contributor

Re: Navy Amex Rewards APPROVED + CLI!!

When I got approved for my Amex last week I had a 5k balance on my CR, about 45% utilSmiley Wink
Message 18 of 24
CaribbeanGringo
New Contributor

Re: Navy Amex Rewards APPROVED + CLI!!


@jaeski33 wrote:
@I applied for this earlier today and got the dreaded 24hr Review message. I am 93/3 statements I think. I've had my Go Rewards since 02/2018 @$3300. I went for a CLI on it as well since I got the TU HP notification right away. A few hours later I got a status update email.......Fico 9 is 707 TU 668

Congratulations! Based on your creditworthiness, you have been approved for a Navy Federal More Rewards American Express Card credit card. Your new credit line will be $15,000.00. Your APR will be 16.49%. Expect your credit card within 5-7 business days for regular mail delivery; expedited shipping times vary based on location. Very Happy!

Update: GoRewards increased to $10K + $6,700!!!! Looks like they HP my EQ twice as well 😐

Awesome and congrats!!   This post is seriously encouraging - it sounds like you and I have a very similar situations.  I was just approved for my first card (AMEX More Rewards) with NFCU on Feb 14th, 2018, so my 91st day is May 16th, which is 2 days from now.  But my 3rd statement doesn't cut until May 20th.  I have a starting limit of $3,900.  My FICO 9 EQ is 684. Also, I recently made a big payment on a card that will bring my total utilization down to about maybe 20%.  That card reports on the 22nd, so I am waiting until the 23rd or 24th to apply for the CLI and new card (Visa Signature).

 

A couple quick questions, if you don't mind...  

 

1.  What kind of usage did you put in the first 3 months on your original card with them?  I've been running about $2,500/mo or a bit more.  I don't know if that has any effect or not, but I'm just curious.  If anyone has any input on how card usage might affect the CLI with them, let me know...

 

2.  What kind of income did you state on your application?  

 

I appreciate any feedback...  

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 795 EX - 764 EQ - 772
Message 19 of 24
jaeski33
Frequent Contributor

Re: Navy Amex Rewards APPROVED + CLI!!


@CaribbeanGringo wrote:

@jaeski33 wrote:
@I applied for this earlier today and got the dreaded 24hr Review message. I am 93/3 statements I think. I've had my Go Rewards since 02/2018 @$3300. I went for a CLI on it as well since I got the TU HP notification right away. A few hours later I got a status update email.......Fico 9 is 707 TU 668

Congratulations! Based on your creditworthiness, you have been approved for a Navy Federal More Rewards American Express Card credit card. Your new credit line will be $15,000.00. Your APR will be 16.49%. Expect your credit card within 5-7 business days for regular mail delivery; expedited shipping times vary based on location. Very Happy!

Update: GoRewards increased to $10K + $6,700!!!! Looks like they HP my EQ twice as well 😐

Awesome and congrats!!   This post is seriously encouraging - it sounds like you and I have a very similar situations.  I was just approved for my first card (AMEX More Rewards) with NFCU on Feb 14th, 2018, so my 91st day is May 16th, which is 2 days from now.  But my 3rd statement doesn't cut until May 20th.  I have a starting limit of $3,900.  My FICO 9 EQ is 684. Also, I recently made a big payment on a card that will bring my total utilization down to about maybe 20%.  That card reports on the 22nd, so I am waiting until the 23rd or 24th to apply for the CLI and new card (Visa Signature).

 

A couple quick questions, if you don't mind...  

 

1.  What kind of usage did you put in the first 3 months on your original card with them?  I've been running about $2,500/mo or a bit more.  I don't know if that has any effect or not, but I'm just curious.  If anyone has any input on how card usage might affect the CLI with them, let me know...

 

2.  What kind of income did you state on your application?  

 

I appreciate any feedback...  


On my GoRewards I put between 300-500 on it each month and PIF. I would put more spend on it but I was trying to meet bonus spend on another card at the time. I don't think it has any effect that much just as long as you do use it. Some may say otherwise. As far as income I put my gross as 87K. My UTI was at 17% before the recent approvals from them so it will be lower next month for sure. Your plan seems right on.



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 20 of 24
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