I can't even express, in words, how happy I am. I just recently cancelled another card, because I knew there was no reason for me to get such a low SL. A few people said, "Be content, be grateful, take what you get and smile, there must be a reason your SL was so low, your 800 fico score doesn't mean anything, it's based on each companies own internal algorithm... Keep it, and in no time it'll grow, blah blah blah".
However, None of that resonated with me. I know my credit. I know what I'm worth. I cancelled that card. So after lurking the Credit Card Approval thread, I thought "why not me"? It seems like the Navy Fed high SL bus is moving along quite swiftly, So I decided to jump on board. WELL, HERE I AM!!!!!!!!!! YAY!!!!!!!!!!!!!!!!!!!!!!!!!
Thanks to all of you who keep posting your approvals. The world is full of great possibilities. We are proof of that.
P.S. Also, even though I never carry a balance, I still want a low-interest rate that reflects my credit, and I got it! 12.99%
UPDATE (2/1/19): I logged in this morning... And Boom! Its already showing up. 
Excellent SL, congrats to you!! Some great approvals lately from Navy!
Congrats!! I wanna be like you when I grow up 
Congrats Op
Navy is one case that it doesnt really matter if one has 800's or 600's , they will give out 25 limits to those who qualify economically meaning usually a high income and low dti. As you can see , you did get an outstanding sl but you didnt get the absolute lowest rate ( that will come in a year when you request a lower apr rate). Sometimes when people offer advice, sometimes they may know a thing or 2 even financial wizards dont
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Navy is one case that it doesnt really matter if one has 800's or 600's , they will give out 25 limits to those who qualify economically meaning usually a high income and low dti. As you can see , you did get an outstanding sl but you didnt get the absolute lowest rate ( that will come in a year when you request a lower apr rate). Sometimes when people offer advice, sometimes they may know a thing or 2 even financial wizards dont
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@AverageJoesCredit wrote:
Congrats Op
Navy is one case that it doesnt really matter if one has 800's or 600's , they will give out 25 limits to those who qualify economically meaning usually a high income and low dti. As you can see , you did get an outstanding sl but you didnt get the absolute lowest rate ( that will come in a year when you request a lower apr rate). Sometimes when people offer advice, sometimes they may know a thing or 2 even financial wizards dont
I was asking because of the recent thread "What score is good enough?" where I still believe 760 is good enough to qualify for the lowest APRs. Since their scores are very high, I'm wondering if closing out the card that the OP was originally approved for somehow affected the internal score with NFCU, therefore not the best APR.
@AverageJoesCredit wrote:
Congrats Op
Navy is one case that it doesnt really matter if one has 800's or 600's , they will give out 25 limits to those who qualify economically meaning usually a high income and low dti. As you can see , you did get an outstanding sl but you didnt get the absolute lowest rate ( that will come in a year when you request a lower apr rate). Sometimes when people offer advice, sometimes they may know a thing or 2 even financial wizards dont
Got it! Thanks for sharing that information. I appreciate it.
@Anonymous wrote:
@Flex1 wrote:
I can't even express in words how happy I am. I just recently cancelled another card, because I knew there was no reason for me to get such a low SL. A few people said, "Be content, be grateful, take what you get and smile, there must be a reason your SL was so low, your 800 fico score doesn't mean anything, it's based on each companies own algorithm, blah blah blah".
However, None of that resonated with me. I know my credit and what I'm worth and cancelled that card. So after lurking the Credit Card Approval thread, I thought "why not me"? It seems like the Navy Fed high SL bus is moving along quite swiftly, So I decided to jump on board. WELL, HERE I AM!!!!!!!!!! YAY!!!!!!!!!!!!!!!!!!!!!!!!!
Thanks to all of you who post kept posting your approvals. The world is full of great possibilities. We are proof of that.
P.S. Also, even though I never carry a balance, I still want a low-interest rate that reflects my credit, and I got it! 12.99%
Congrats on the approval. I'm curious though, your credit scores that you posted a few weeks ago were almost 800. How didn't you get the lowest rate? Your scores would appear to be well into the top tier APR range.
CONGRATS OP