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Navy Federal 91/3 Trifecta!

YungGouda
Member

Navy Federal 91/3 Trifecta!

So, I joined NFCU back in Dec 2019.

 

I) 12/10 I app'd for the CashRewards. No instant approval or denial, got the 24 hr review msg. An hour later I get an email saying that I had been approved for $6200 @ 11.15% Swear I could see and hear fireworks as it was my highest SL at the time.

 

II) Auto Refi from GM Financial ~16% ----> NFCU 4.99%!

 

III) Finished 91/3 bid on 3/10. Next day, requested a 20k CLI but Navy countered with 4k CLI.

$10,200 @ 11.15%, $250 SUB met... Still a win, right? Pulled the trigger for 2nd card, the More Rewards AMEX.

Instant approval for $25,000 @12.49%, 0% BT of ~1400 from QS1 (BYYYYE, Cap1)!!!!

 

NAVY IS THE BEST!!!!!

 

P.S. Long time lurker, first time poster. I wanted to add screen grabs but unable to can.

FICO 8s (11/13/2020)

Message 1 of 27
26 REPLIES 26
blindambition
Community Leader
Senior Contributor

Re: Navy Federal 91/3 Trifecta!


@YungGouda wrote:

So, I joined NFCU back in Dec 2019.

 

I) 12/10 I app'd for the CashRewards. No instant approval or denial, got the 24 hr review msg. An hour later I get an email saying that I had been APPROVED for $6200 @ 11.15%

Swear I could see and hear fireworks as it was my highest SL at the time.

 

II) Auto Refi from GM Financial ~16% ----> NFCU 4.99%!

 

III) Did my 91/3 bid. Requested a 20k CLI on 3/10 but Navy countered with 4k. 10,200 @ 11.15%, 250 SUB met... Still a win, right?

Pulled the trigger for 2nd card, the More Rewards AMEX. Instant approval for $25,000 @12.49%, 0% BT of 1400 from QS1 (BYYYYE, Cap1)!!!!

 

Navy is the best!

 

 

P.S. Long time lurker, first time poster. I wanted to add screen grabs but unable to can.

 

 

 


SCORE!!! Congrats on CLI and approval!! 🥇 

Message 2 of 27
EverForward
Established Contributor

Re: Navy Federal 91/3 Trifecta!

Congratulations!  Sounds like you're making the best of all that NFCU has to offer.

Message 3 of 27
newfossil
Valued Contributor

Re: Navy Federal 91/3 Trifecta!


@YungGouda wrote:

So, I joined NFCU back in Dec 2019.

 

I) 12/10 I app'd for the CashRewards. No instant approval or denial, got the 24 hr review msg. An hour later I get an email saying that I had been APPROVED for $6200 @ 11.15%

Swear I could see and hear fireworks as it was my highest SL at the time.

 

II) Auto Refi from GM Financial ~16% ----> NFCU 4.99%!

 

III) Did my 91/3 bid. Requested a 20k CLI on 3/10 but Navy countered with 4k. 10,200 @ 11.15%, 250 SUB met... Still a win, right?

Pulled the trigger for 2nd card, the More Rewards AMEX. Instant approval for $25,000 @12.49%, 0% BT of 1400 from QS1 (BYYYYE, Cap1)!!!!

 

Navy is the best!

 

 

P.S. Long time lurker, first time poster. I wanted to add screen grabs but unable to can.

 

 

 


Wow! Congratulations!




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 4 of 27
M_Smart007
Epic Contributor

Re: Navy Federal 91/3 Trifecta!

Congrats!

Message 5 of 27
AllZero
Super Contributor

Re: Navy Federal 91/3 Trifecta!

Congratulations on your approval!
Message 6 of 27
YungGouda
Member

Re: Navy Federal 91/3 Trifecta!

I most certainly am!

 

These past 9 months have been incredible:

$200 Discover finally unsecured after 39 (YES, 39 lol) months and I got a $500 CLI increase

$500 BoA Platinum Plus MC after a recon of denial from completing preapproval mail offer

$400 CLI on Kohls PLCC

 

Scores went up about 50-70 pts on each of the Big 3

FICO8s: TU 628 EQ 633 EX 643

 

FICO 8s (11/13/2020)

Message 7 of 27
Traveler101
Frequent Contributor

Re: Navy Federal 91/3 Trifecta!

Big Congrats!

Message 8 of 27
mikesonthemend
Valued Contributor

Re: Navy Federal 91/3 Trifecta!

Awesome! Congrats!

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Living through Darwinism is so much worse than learning about about it in school.
Message 9 of 27
Running-Man
Contributor

Re: Navy Federal 91/3 Trifecta!

Very nice approval 

Message 10 of 27
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