Navy Federal - Flagship - 2nd card approval

[Anonymous]

I will try to make this short. First time poster.

Instant Approval for Platinum February 8th for $15,000 15.24%.  Didn't do a BT, but carried a balance every month (less than $900 at anytime).  Made substantial payments, but never PIF.  Fast forward exactly 91 days.  I just couldn't wait any longer.  App'd for the Flagship - instant approval $25,000 13.74%.  Yeah!!!

Data points

Transunion 8 668

Equifax 9 669

Experian - Unknown

Income 64K

Previous highest CL 1,000

1 baddie now - 2 at time of Platinum app & closed mortgage (just fell off)

several 30/60 lates in 2016 & 2017 on a open auto loan

Thank you to everyone who has taken the time to share their personal experiences.  This Forum will have you ready to apply for everything, and scared to apply for anything.

[FicoGuy2019]

Congrats!  Can't wait for my 91 days to get here!!

[MrDFinance]

Wow congrats on that limit !!🥳

[Peazmom]

Congrats on that approval and outstanding SL!

[pinkandgrey]

Sweeeeet APR and SL combo! Congrats!

[19eighty5]

Congratulations on your approval!

[Anonymous]

Nicely done, congrats

[ChargedUp]

Nice!!!! I'd love to find a way into NFCU. My father in law is retired Marines, but I would have to drag him to a branch all the way in Southern CA...  (He's uses USAA for everything. )

[Anonymous]

I’m finally on my 30 day countdown till my 91st day 🤣 I know how painful that wait is but glad it paid off with a crazy SL!! Congrats!!