Navy More Rewards Amex Approval!

[Anonymous]

The day finally came! My 4th statement on my secured card cut yesterday, so I called a CSR to check preapproval this morning: prequalified for all cards!

I tried to get MyFico 3B reports, but I don't have two active credit cards older than 6 months (so they couldn't verify me?) So I have no idea what my transunion scores are (I'm honestly kinda bummed about it, CCT also couldn't verify me, and their automated support line is useless). Anyway, I decided to take a shot in the gray and applied for it! Instant approval $500!! This is my first unsecured credit card so I don't care AT ALL about the low limit, I know with navy, it will grow! 

DP's: Again, I am bummed I don't know all FICO scores 

Eq09: 713 from navy's app

Ex08: 624 from Discover Scorecard

2013: 8 Defaulted student loans (currently in rehab)

2015: charge off w/BofA PAID

9/2018: Cap 1 secured ($200 limit)

2/2020: NFCU nRewards ($500 limit)

Income: 47,500

Time to garden until I'm outta Rehab and my loans get picked up by the new services. Hopefully by then I will have access to my scores!

[M_Smart007]

[AllZero]

Congratulations on your approval!

[EverForward]

@Anonymous Congratulations on your More Rewards approval.  Very happy for your success with this. 

I'm looking forward to my 2nd NFCU card, so tempting as I'm 111/4 today as well, but am thinking I'm going to wait until my nRewards graduates as it will put some time, 2+ months, between my two recent card approvals, Discover Secured & BBVA, and that time.  Neither card has reported to the CRAs yet, but I'm guessing NFCU would likely see my recent inquires on Experian.

[Anonymous]

Congrats on your approval!

[gdale6]

Very good, grats on getting it approved

[Girlzilla88]

YAY Congrats

[randomguy1]

congrats!

[Anonymous]

Thank you everyone! I can't wait to max this card out twice a month to hit the SUB haha!!

Also, forgot to add, I got 16.99% apr (I must have BARELY been approved) 

@EverForward If I didn't get this card, I was going to go for the Discover Secured, but I really didn't want another secured card. Also, I'm not sure if they would see those inquiries, they only checked TU for my card, and I believe they use EQ for CLI's. But I definitely hear you about waiting, better safe than sorry! Especially with COVID, I have pulled back on my "aggressive rebuild strategy" to just letting time do it's thing. Hopefully those few months will get you one of those Monster SL's!

[EverForward]

Thanks @Anonymous!  I'm looking forward to our nRewards graduating soon.  Hopefully, we'll both receive a very nice CLI afterwards on them as well, =)

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