Navy Fed Approvals

Anonymous · ‎10-04-2016

Approved yesterday for a $500 line of credit, approved today for $1,000 nRewards card with 17.74% APR.

My question is -- In about a week when my cards report again... My Citi, Amazon, and Discover cards will report below 30% utilization whereas last month they reported near 100% each, should I ask NavyFed to pull another report to see if I can get a higher credit line? Or should I wait 6 months like they said they'd recommend?

Anonymous · ‎10-04-2016

Why didn't you just wait until you get a better uti?

I woult not rack up another HP IMO.

Anonymous · ‎10-04-2016

@Anonymous wrote:
Why didn't you just wait until you get a better uti?

I woult not rack up another HP IMO.

It didn't come to mind until yesterday.

Another HP is really not big deal... It's Navy Federal after all. Plus the newer hard pull would be EQ I've hard whereas the original is TU.

Anonymous · ‎10-04-2016

Congrats on your approvals👍🏾

I would wait (from what I've read on the Nfcu CLI thread).

Anonymous · ‎10-04-2016

@Justagirl73 wrote:
Congrats on your approvals👍🏾
I would wait (from what I've read on the Nfcu CLI thread).

Can you send me a link?

Aduke1122 · ‎10-05-2016

Any new cc app us going to be TU , CLI is going to be EQ according to the trends here lately . Anyway congrats

Aduke1122 · ‎10-05-2016

It's a LONG READ but you will learn a mountain of info about how Navy fed works .

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-NFCU-CLI-Guide/m-p/2101185/highlig...

Anonymous · ‎10-05-2016

@Aduke1122 wrote:
It's a LONG READ but you will learn a mountain of info about how Navy fed works .

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-NFCU-CLI-Guide/m-p/2101185/highlig...

Thank you. If it weren't for this board I wouldn't have known how to get into Navy Fed, nor would I have known about their generous CL's. In a way I feel kinda bad about not having to go through the usual military struggles in order to be a member, but I've done my part and opened up a CD account so I can contribute to veterans and soilders in a way so the credit union can lend my money to them in the form of credit cards or whatever other loan they need.

AverageJoesCredit · ‎10-05-2016

Congrats MDV, i know these will grow in no time and lead you to other NF cc products

Enjoy

Aduke1122 · ‎10-05-2016

That's really nice of you OP !