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Navy FCU Platinum Visa Approval $10K @ 7.74 APR

ocheosa
Established Contributor

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

Congratulations !! Red Alert ! You Killed It !!

Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel Amex. Misc: Overstock, Target. TCL=$286K.
[6/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 7, TU 1. AAoA=5y, AoOA=34y, AoYA=6m.

Business: Staples LOC. Office Depot. Quill. Uline. Amazon.
Current Project: 21-22 Business Profile.
Message 11 of 28
19eighty5
Senior Contributor

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

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 12 of 28
Aim_High
Senior Contributor

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

@AllZero

Congratulations on your approval!

 

@simplynoir

Congrats on your approvals today

 

@M_Smart007

Congrats!!!

 

@JAG73

On a roll, congrats! 

 

Thanks guys!  Smiley LOL

@JAG73 , I love the GIF!  ROFLMAO

screamer.gifscreamer.gifscreamer.gif



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 13 of 28
Aim_High
Senior Contributor

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

@AverageJoesCredit

Great card and apr. Dont worry, it will grow . They just want to get to know you. 2nd card should be a Monster👹

 

Thanks, @AJC!  Yes, I've learned that "relationships" do mean a lot to most lenders.  I'm planning to push some money through my new cards and banking accounts to build more history and trust with both PenFed and Navy FCU in the next few months.  Set the stage for some huge growth in the couple of years.  They're both lenders I plan to keep around for the long-haul. 



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 14 of 28
Aim_High
Senior Contributor

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

@Nosoule46

Congratulations. That rate is darn good.

 

@KLEXH25

That is a sweet APR! Congratulations!

 

Thanks, guys! 

 

Yes, I shopped around extensively last year at banks and credit unions looking for the best permanent rates.  Of the large lenders, nobody beat Navy FCU!!  There were some smaller credit unions that offered lower rates but most were regional and geofenced, or else I had concerns about the customer service I could expect on the account.  I was also concerned about teaser rates that wouldn't last.  Navy seemed like the best of both worlds with a great rate yet large enough and stable enough to not make me question their reputation or service or their long-term rates.



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 15 of 28
Aim_High
Senior Contributor

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


@GApeachy wrote:
delete...I sneezed

TMI.  Lol ...

I wonder if that is a My Fico first?  Smiley Tongue



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 16 of 28
Aim_High
Senior Contributor

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


@GApeachy wrote:

@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


I know, right? Smiley Very Happy  The rate is killer indeed.  The SL is par for Navy's approval for new members on a first card, maybe even on the generous side, but the important thing is I know it will grow with them. 



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 17 of 28
Aim_High
Senior Contributor

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


@ocheosa wrote:

Congratulations !! Red Alert ! You Killed It !!


Love the Bart Simpson GIF Smiley LOL

Wooo Hoooo !!!!  Lol

 

Congratulations on your approval!

 

Thanks, ! Smiley Happy



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 18 of 28
GApeachy
Super Contributor

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


@Aim_High wrote:

The rate is killer indeed. 
I mean....I triple you Smiley Frustrated (And that's not bragging! My rates are mammoth compared to yours.)  So you Aim High and score!  "Twinie" congrats again!  Hope to post one like yours in the near future- goal!
"My Take Home Pay Don't Take Me Home"
Message 19 of 28
GApeachy
Super Contributor

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


@Aim_High wrote:

@GApeachy wrote:
delete...I sneezed

TMI.  Lol ...

I wonder if that is a My Fico first?  Smiley Tongue


Ahahahaha!  Nope, I did sneeze, hit the dang button (I guess) cuz there ended up being a "double" post.  Although, I am allergic to low apr it appears...idk.Smiley Tongue

"My Take Home Pay Don't Take Me Home"
Message 20 of 28
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