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Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Regular Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

@JoeLuvsHisCredit wrote:

@Overmedicated 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.

        You would think navy would give the lowest APR with a 800 score but i have a 808 score and they approved me for 12.9% a couple months ago. I was sooooooooooo MADDDDDDDDDDDDDDDDDDD. I still haven't use the card because of it.
Chase and Citi gave me their lowest APR. I to be honest never have good luck with credit unions with APR LOL

Thanks for sharing. That's good to know. I can relate because that's how I felt with the card I just closed. The interest rate was 17.99% and the SL was embarassing for anyone above a 650 fico score. So I closed it. But At least with Navy Fed the interest rate is closer to the low end and the SL is good. Having said that, I called Navy Fed and they said I can request it from inside my portal. I'm not bent out of shape over this. But I'm still going to look into it. If nothing else, I'll wait for 12 months, like someone suggested, and then address the issue. 

    People don't understand when you usually get the lowest rate offered, then all in sudden you feel like someone is smiting you, its not a good feeling. I get it...

Message 11 of 19
Senior Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Congrats on your NFCU GoReward approval and monster SL! Smiley Very Happy

Message 12 of 19
Frequent Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Congratulations, OP. Excellent SL. 👏🏾

+1 to AJC's comment. As stated many times before, scores carry little weight with this lender. Income/DTI carries a lot more. Just earlier today, another member reported success with a Navy CR app. They got a $15K SL on a 560 TU Fico!!!

Different product, but I was approved for the full $15K CLOC @ 14.99%, just 1 point above lowest rate on a 670 EQ - six plus fig income. I've seen several reports of people with much higher scores not getting anywhere close - not to mention flat out denials.

This lender is clearly cut from a different cloth. It's why we 💕 them!!



NFCU CLOC: $15,000
Message 13 of 19
Valued Member

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Seeing that $25K SL must have been jaw-dropping for you! Super awesome limit and congrats!!! 

Message 14 of 19
Senior Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!


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 15 of 19
Regular Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

@ngoaa wrote:

Seeing that $25K SL must have been jaw-dropping for you! Super awesome limit and congrats!!! 

Yes, you are right! I was nervous. I hoped I wouldn't regret my decision to apply. After I saw the approval and the amount, I had a smile on my face for about 2 hours. I'm smiling again actually, just thinking about it again. Smiley Happy

Message 16 of 19
Established Member

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

@Overmedicated wrote:

@AverageJoesCredit wrote:
Congrats OpSmiley Happy

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 dontSmiley Wink.

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.

My score is around 680 currently and I got approved for 25K.  So you can definitely get approved with a score lower than 760.

Starting Score 8/26/18: FICO8 EQ:601 TU:611 EX:618
Current Score 4/1/2019: FICO8 EQ:739 TU:715 EX:680
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 17 of 19
Frequent Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Congrats on your awesome approval and sl! Gotta love Navy!


Message 18 of 19
Valued Contributor

Re: Navy Fed $25,000 SL!!!!!!!!!!!!!!!

Congratulations on your approval!! NICE!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 19 of 19
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