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Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Aim_High
Senior Contributor

Navy FCU Platinum Visa Approval $10K @ 7.74 APR

I opened checking and savings accounts with Navy FCU six weeks ago but they had been idle.  I just thought having membership established might improve my approval odds with cards.  I had even considered moving some money and short-term investments through them like opening CDs but decided it probably wasn’t necessary.

 

I called to use the “new” prequalification tool where you can have CSRs check for you over the phone.  Apparently they were having some “problems” with it and the first rep couldn’t even access it.  She passed me to another one who took my info but then showed I was *NOT* prequalified for any cards.  That kinda spooked me but she said it was probably because my membership was so new.  I decided to take a chance and apply through my Navy FCU login for “New Accounts”. 

 

I already have Cash Back cards that pay as well as Navy’s.  But one thing I was missing was a super-low APR card to keep in my wallet for big purchases and if I were to ever need to roll a large balance.  The APR on their Platinum card is hard to beat almost anywhere.  I have the USAA “Rate Advantage Card” but I’m not at their lowest APR and Navy beats them anyway.  I decided I would go for the Platinum even though it doesn’t offer a big SUB or rewards.  (I’ll get those on a second card later.) 

 

It went pending for almost two hours before I was notified by text message and email that it was approved! 

Single Pull on TU, which brings my TU count up to 2 HPs counting my Apple card in August.

 

Credit limit $10K, which I suppose is not bad for a first Navy FCU card. 

And they gave me their lowest APR at 7.74%.  Sweet deal!   Smiley Happy 

Glad to be in the Navy FCU Family finally!  

And this completed my military double-dip today as I also got a PenFed Power Cash card!



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 28 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 1 of 28
27 REPLIES 27
AllZero
Mega Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Congratulations on your approval!
Message 2 of 28
simplynoir
Community Leader
Super Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Congrats on your approvals today

Message 3 of 28
AverageJoesCredit
Mega Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Woo hoo, you DISCOVERED a double dipSmiley Happy

Great card and aprSmiley Happy. Dont worry, it will grow . They just want to get to know you. 2nd card should be a Monster👹
Message 4 of 28
M_Smart007
Epic Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

 

Congrats!!!

 

 

Message 5 of 28
JAG73
Moderator Emerita

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

On a roll, congrats! 
screamer.gif

Got some pruning to do... No more new cards!
Message 6 of 28
NoMoreE46
Established Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

Congratulations. That rate is darn good.
Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
BBVA Clr Pts 12,000
CapOne Savor 5,000
CapOne Venture 30,000
Discover It 20,500
PenFed Plt Rewards 15,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 7 of 28
KLEXH25
Valued Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

That is a sweet APR! Congratulations!


Message 8 of 28
GApeachy
Super Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR

delete...I sneezed
"My Take Home Pay Don't Take Me Home"
Message 9 of 28
GApeachy
Super Contributor

Re: Navy FCU Platinum Visa Approval $10K @ 7.74 APR


@Aim_High wrote:

 7.74%.


Are ya sure?Smiley Indifferent  Do you wear glasses?Smiley Indifferent  Did you have on your glasses?  Smiley IndifferentSmiley EmbarassedSmiley Very Happy  Just kidding; congratulations....probably more for that killer apr than the sl that's awesome

 

"My Take Home Pay Don't Take Me Home"
Message 10 of 28
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