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Navy Federal is AWESOME!

vicsingh05
Contributor

Navy Federal is AWESOME!

I've had my GoRewards card with Navy since March of this year which was given an initial limit of $12500. I have been using the card and paying it off in full. I've started my rebuild as of January this year and couldn't be happier with the results. I requested a CLI on the GoRewards card at 91 days and was denied. I needed a card at 0% to purchase my tickets to fly back to the states for Christmas so I applied for the Platinum Card with them. The wheel span that felt like eternity and came back with $1900 limit with a 9.99% APR with 0% for 12 months. I was disappointed but I was happy that they finally gave me another card which they had denied me earlier. 

 

Well, last night after a couple of beers and reading a post here to sending them a message for a credit limit reconsideration. I gave it a shot and holy freaking smokes they came back and said we have reconsidered you limit and your new limit is $15000. HOLY FREAKING SMOKES. Now my highest limit and the lowest APR. Looks like Christmas came early for me. hahahahahahhaha.

 

Data Points:

Score Pulled: 710

AAoA: 3 years

INQ: 17 total 12 in the last 12 months

Income: $55000

New Accounts: 12 in the last 12 months.

NAVY FED APPROVAL Part 2.PNG 

6/10/2017
EX 677 EQ 685 TU 705
Message 1 of 13
12 REPLIES 12
Irish80
Moderator Emeritus

Re: Navy Federal is AWESOME!

Congrats!  Gotta love NFCU

Message 2 of 13
AverageJoesCredit
Community Leader
Mega Contributor

Re: Navy Federal is AWESOME!

Only Navy could drop a bomb and make you feel like the exposion is purely asteticSmiley Wink. HUGE congrats. Now we are going to see everyone and their Uncle B's recon Smiley Wink
Message 3 of 13
CreditMagic7
Super Contributor

Re: Navy Federal is AWESOME!

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Message 4 of 13
doinit1
Valued Contributor

Re: Navy Federal is AWESOME!

Congratulations!! Way to go!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 5 of 13
12velectronics
Valued Contributor

Re: Navy Federal is AWESOME!

Congrats! I'm looking forward to getting in with NFCU..
Message 6 of 13
wedge71
Contributor

Re: Navy Federal is AWESOME!

Congrats on the great SL! I'm going to put my NCFU approval in here. I got an instant approval a few days ago for the NCFU Platinum Visa with $3900 SL 9.9 APR. I did the online message recon and was told 3900 was all they could do right now. It's my first NCFU product so I'm not surprised at the lower starting limit. Hopefully it will grow.

EQ 679 EX 710 TU 717 FICO 8 (10/2017) USAA Rewards Visa Signature 12k | USAA Limitless Visa 3k | NFCU Platinum Visa 3.9k | Discover it 5.3k | Amex BCE 6k | Citi Costco Visa 5.5k | Citi Diamond Preferred MC 2k | Paypal Extras MC 8k | Firestone 2.2k | Wayfair 5.6k | Target Redcard 300
Message 7 of 13
Total80sKid
Established Contributor

Re: Navy Federal is AWESOME!

Congrats Smiley Happy
Message 8 of 13
vicsingh05
Contributor

Re: Navy Federal is AWESOME!

@wedge71. Hey dont worry with the low SL. They will deliver; just be patient just let the account age past 91 days and try the love button. Didnt work for me and they also denied me for a second card. But 43 days later bam approved for $15K. Trust me they are the best in the business. Just be patient and they WILL Deliver! Good luck!

6/10/2017
EX 677 EQ 685 TU 705
Message 9 of 13
wedge71
Contributor

Re: Navy Federal is AWESOME!


@vicsingh05 wrote:

@wedge71. Hey dont worry with the low SL. They will deliver; just be patient just let the account age past 91 days and try the love button. Didnt work for me and they also denied me for a second card. But 43 days later bam approved for $15K. Trust me they are the best in the business. Just be patient and they WILL Deliver! Good luck!


Thank you! I've heard they are great and give generous SL. I wanted a card with a low APR to use for any large purchases that I can't PIF. Looking forward to watching this card grow!

EQ 679 EX 710 TU 717 FICO 8 (10/2017) USAA Rewards Visa Signature 12k | USAA Limitless Visa 3k | NFCU Platinum Visa 3.9k | Discover it 5.3k | Amex BCE 6k | Citi Costco Visa 5.5k | Citi Diamond Preferred MC 2k | Paypal Extras MC 8k | Firestone 2.2k | Wayfair 5.6k | Target Redcard 300
Message 10 of 13
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