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Navy Federal Cash Rewards -- I'm So Happy!

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csl1
Contributor

Navy Federal Cash Rewards -- I'm So Happy!

I applied for an NFCU secured card in January of 2019, but was denied because I'd just had a bk7 discharged. I opened several other cards instead and paid them on time every month. On a whim, I applied for an unsecured NFCU cash rewards card a few hours ago, to which they responded with a 24-48 hour message. I was a bit bummed about it until just a few hours later when I received notice that they'd approved me for the unsecured rewards card with a $3,600 limit! I'm thrilled! And very much looking forward to closing down some of my rebuilder cards now that I have a couple of great cards in my wallet. 

 

A few data points:

Credit Score: 645

Income: $84k/yearly 

Bk7 Discharged: Oct 31, 2018

☞ Credit Cards: NFCU AmEx, NFCU Visa Signature, PenFed Pathfinder Visa, Truist Enjoy Cash, Discover It, Capital One SavorOne, Citi BB Visa, Paypal MC, PayPal Store Card, CareCredit, Cap1QS1
♛ Total Credit Lines: $52,750
⚖ Chapter 7 Discharge: October 2018
☼ Credit Scores: Mid to High 600s
☮ Gardening As of May 13, 2022

23 REPLIES 23
Anonymous
Not applicable

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congrats, you're definitely moving up in the Credit world now Smiley Happy Cancel that First Premier like YESTERDAY and don't look back!

Message 2 of 24
EverForward
Established Contributor

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congratulations 🎉🍾🎊🎈 

Message 3 of 24
Anonymous
Not applicable

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congrats on your approval!! Keep up the good work...Smiley Happy

Message 4 of 24
Anonymous
Not applicable

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congrats on your approval!

Message 5 of 24
jmos
Regular Contributor

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congrats!!

Message 6 of 24
azsnake
New Contributor

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congratulations! NFCU is the best. Happy for you.





Message 7 of 24
Anonymous
Not applicable

Re: Navy Federal Cash Rewards -- I'm So Happy!


@csl1 wrote:

... On a whim, I applied for an unsecured NFCU cash rewards card ... approved me for the unsecured rewards card with a $3,600 limit ...


Excellent decision to go for it -- Congrats! Smiley Happy & thanks for the DPs. 

Message 8 of 24
KJinNC
Valued Contributor

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congrats!



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 9 of 24
CreditAggie
Community Leader
Super Contributor

Re: Navy Federal Cash Rewards -- I'm So Happy!

Congratulations on your NFCU Cash Rewards approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 24
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