Navy Federal CashRewards card APPROVED at 1:00AM!

Anonymous · ‎04-09-2020

Hey guys,

Just wanted to share a bit of my story. I've been repairing my own credit for a while now and I am finally at the rebuilding stage. My credit scores have been at a bit of a stand still due to lack of credit. I've been trying to wait until my scores reach the 700's but it would take a while seeing as though I only have 2 tradelines, 1 credit card, and a recently payed off a self lender builder account. I tried for a Amazon card and was INSTANTLY denied. I was a bit dissapointed and felt as though there was no hope. I decided to try for Navy Federal seeing as though I was a member for a couple of months now. I applied on 4/7 and received the "we're reviewing your application" notice. I received a message on the Navy Federal App at 8PM that day stating that I needed to call to provide some information. I called the next morning (4/7) and all they needed was for me to verify that it was me that completed the application because I had a fraud alert on my credit file. They also needed for me to create a secret code name for future calls. I check my phone this morning and saw that Navy Federal emailed me at 1:00AM with the approval of $3,500!!! I feel so blessed, I've been working so hard on my credit for the past year and Navy Federal has given me the biggest limit I've ever had!!! This is just some inspiration for anyone in a similar situation. Keep pushing and you will get there, DO NOT GIVE UP!!! Here is some of the juice for you guys....

TU: 632

EQ: 625

EX: 708

Navy Federal pulled from TU which is not the best. YOU GUYS CAN DO IT!!!

rgate88 · ‎04-09-2020

Congrats to you!

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000

Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000

Total CLI - $399,900

Anonymous · ‎04-09-2020

Congrats on your success and your new card.

Anonymous · ‎04-09-2020

@Anonymous wrote:
... Navy Federal emailed me at 1:00AM with the approval of $3,500 ...

That's how to do it -- Congrats!

EverForward · ‎04-09-2020

Congratulations on your approval!

NFCU cashRewads | $2,000 | February 2020

Capital One QuickSilver | $750 | February 2020

Take the myFICO Fitness Challenge

Anonymous · ‎04-09-2020

Congratulations on your approval! 👍

AverageJoesCredit · ‎04-09-2020

Awesome feel good story Enjoy your well deserved success

CreditAggie · ‎04-09-2020

Congratulations on your approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AllZero · ‎04-09-2020

Congratulations on your approval!

coreyb80 · ‎04-09-2020

Congrats on the approval and continued success on your rebuild!!