I wasn't sure if I'd be approved or not, despite Navy's reputation for being generous to rebuilders, because I have high utilization. I can't get preapprovals for Cap One or anywhere else (except Disco, bless them), and I think it's because of my high util. But I GOT IN!!! Data points below.
I'm not unhappy with the limit of $1000 because I'm low income and can do a lot with that amount. (I really made the most of my Disco card when its limit was $800.) And the APR is great for someone like me! I was expecting the highest APR just because of my profile! Wow!
Best of all, I qualify for their sign-up bonus of $250, so yay!
I was going to wait a few more months to apply for this card, but a conversation with my customer service rep convinced me to give it a shot. She couldn't guarantee anything, but said that nothing I told her raised red flags that would cause her to tell me to wait. Also, I decided to try now instead of a few months (which was my initial plan) because, based on her comments, it didn't sound like my odds of approval would improve that much. (My DTI would be the same, my score would be a little higher but not by much, and so forth.) I didn't want to miss out on the sign-up bonus, so I went for it!
Some takeaways from her comments:
Thank you, everyone, for your encouragement and good advice! I would have never dreamed that I would have gotten this card if it were not for the other members here sharing their stories!
BTW, I felt bold and requested a CLI from my Synchrony Walmart card. I asked for $600 (it's currently $200). Was told no. Oh well, I don't even care!
... But I GOT IN!!! Data points below.
Great job getting in! Congratulations. At the rate your scores are tracking you'll be sitting pretty in no time.
And thank you for the excellent DPs. Others will profit from your experience.