Navy Federal GoRewards visa approved for 3500SL

Fire6546 · ‎10-28-2018

Hi Folks,

NFCU Just instant approved me for GoRewards visa 3500.00SL

My fico ex was 616 at time of app, not sure what my tu and eq fico's are i only see vantage at 679.

I have a CLOC at 500.00 as well. When it comes time should I app for CLI on CLOC before the GoRewards or GoRewards first?

Medic981 · ‎10-28-2018

Welcome to the myFICO forums!

Nice! Take care of your NFCU accounts and they will take care of you.

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Your FICO credit scores are not just numbers, it’s a skill.

Anonymous · ‎10-28-2018

congrats. Not sure about your question. I just have the cash rewards through them. But if you want to help your UTI I would say ask for CLI on the credit card.

Fire6546 · ‎10-28-2018

Thanks, my utilization across the board is like 4% on 8 cards with about 14k total revolving credit. now with this card about 17.5k

Im unsure of the order I should ask for CLI to maximize my benefits now that I have a card and cloc with NFCU, card first or cloc first?

19eighty5 · ‎10-28-2018

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎10-29-2018

Congrats on your NFCU GoRewards approval!

Anonymous · ‎10-29-2018

Congrats

xaximus · ‎10-30-2018

Congrats on the approval! I would definitely hold off on apping and first seeing what is impacting your score. Any lates, baddies, CO's, etc.

Scores - All bureaus 770 +
TCL - Est. $410K

Anonymous · ‎10-30-2018

@Fire6546 wrote:

... My fico ex was 616 at time of app, not sure what my tu and eq fico's are ...

Without knowing this information -- Navy uses TU for new cards, EQ for CLI requests -- I don't see how anyone might offer you useful suggestions. But there's good news: for a dollar you can know your scores, and what events are impacting them.

And Congrats! F on getting in with Navy. 3500 SL is a good start.

Fire6546 · ‎10-30-2018

Ex 625 eq 642 tu 616

I went ahead and asked for cli on cloc after month and half asked for 5500 which gives me 6k was approved in an hour, that’s plenty on that for me, but I would like a second card through them when I’m able