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Navy Federal GoRewards Approved!!

confuzed
Established Member

Navy Federal GoRewards Approved!!

So after the Denial of there Flagship card. (Said I didn't meet minimum limit) I applied for the GoRewards Card, and was approved for 1K limit. Here is my question, In order to build relationship do I have to actually use this card? I have cards with limits upwards of 40k so clearly this card wont be at the front of my wallet. Hoping to in the future be approved for a card with them with a much Higher limit.

 

Thanks in advance for the input.

Message 1 of 13
12 REPLIES 12
AllZero
Mega Contributor

Re: Navy Federal GoRewards Approved!!

Congratulations on your approval!
Message 2 of 13
ClassicMan
Valued Contributor

Re: Navy Federal GoRewards Approved!!

Congrats on the approval, from what I have read in the forums for the average person their 2nd card or CLI is normally a very nice amount.

12/18/19




05/27/20





Cards

Authorized User
Message 3 of 13
AllZero
Mega Contributor

Re: Navy Federal GoRewards Approved!!

I'd recommend putting at least a charge on it to activate the card. Then, you can choose to apply for your 2nd card at 91 days and 3 statements.
Message 4 of 13
Traveler101
Frequent Contributor

Re: Navy Federal GoRewards Approved!!

Congrats on approval
Message 5 of 13
tenaya
Frequent Contributor

Re: Navy Federal GoRewards Approved!!

Use the card for a few small items on the regular. It can't hurt and it may help. Navy values relationships.

 

I love, love, LOVED the heck out of my cash Rewards card (my first Navy card @ 1K) and 91 days later Navy rewarded me with a 17K limit on their AMEX card. (And as I think I told you in another thread, I have low income and high util!)

 

A family member (with a far higher credit score than mine, but also low income) got a Platinum with about 3K on her first card. She was faithful at paying off the balance. 91+ days later she got 12K on her second card. She wasn't showing the same zeal for Navy as I was, but she was showing steady and reliable behavior. 


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 6 of 13
Bbcatcher
Valued Contributor

Re: Navy Federal GoRewards Approved!!

Congratulations!

All DPs point to the second card being the more generous SL with NFCU. I’d at least put some use on the card to show you’re responsible with them, and they will reward you



Message 7 of 13
M_Smart007
Epic Contributor

Re: Navy Federal GoRewards Approved!!

Congrats!

Message 8 of 13
Marz2002
Senior Contributor

Re: Navy Federal GoRewards Approved!!

CONGRATS @confuzed on your Navy Federal GoRewards approval! 

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 9 of 13
Harvey26
Valued Contributor

Re: Navy Federal GoRewards Approved!!


@confuzed wrote:

So after the Denial of there Flagship card. (Said I didn't meet minimum limit) I applied for the GoRewards Card, and was approved for 1K limit. Here is my question, In order to build relationship do I have to actually use this card? I have cards with limits upwards of 40k so clearly this card wont be at the front of my wallet. Hoping to in the future be approved for a card with them with a much Higher limit.

 

Thanks in advance for the input.


I would recon and send them a SM and advise them to take a second look at your credit report and note all of your accounts with higher limits. I recently did this after being denied for a Flagship Card and ended up getting approved for 21.2K. Don't settle! 

Message 10 of 13
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