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I have been a member of Navy about 11 months. When I joined, I did the pre-qualify and was only offered the nRewards secured card.
I used it and after 6 statements it graduated and limit increased from $200 to $2000. I have been periodically trying to pre-qualify. Still only offered nRewards. Late last night after it happened again, I threw caution to the wind, and in an effort to see what Navy didn't like, I applied for the More Rewards. The wheel spun for ages then,
approved for $25,000 @ 9.65%
I'm still numb. I had to call in and verify it truly happened and wasn't a mistake, but the CSR said card coming in 7-10 days.
It raises TCL from $32,050 to $57,050
DPs in Navy Thread:
Edit to correct APR
Congrats on your NFCU More Rewards approval
@NotRalphKramden wrote:I have been a member of Navy about 11 months. When I joined, I did the pre-qualify and was only offered the nRewards secured card.
I used it and after 6 statements it graduated and limit increased from $200 to $2000. I have been periodically trying to pre-qualify. Still only offered nRewards. Late last night after it happened again, I threw caution to the wind, and in an effort to see what Navy didn't like, I applied for the More Rewards. The wheel spun for ages then,
approved for $25,000 @ 6.95%
I'm still numb. I had to call in and verify it truly happened and wasn't a mistake, but the CSR said card coming in 7-10 days.
It raises TCL from $32,050 to $57,050
DPs in Navy Thread:
@NotRalphKramden - this is great! Would you mind adding more background if applicable?
I'm also on a rebuild path with NFCU post discharge BK 13 - Trying to be as calculated as possible
Congrats on the massive approval!
Congratulations on your NFCU More Rewards approval!
@FLLGuy wrote:
@NotRalphKramden wrote:I have been a member of Navy about 11 months. When I joined, I did the pre-qualify and was only offered the nRewards secured card.
I used it and after 6 statements it graduated and limit increased from $200 to $2000. I have been periodically trying to pre-qualify. Still only offered nRewards. Late last night after it happened again, I threw caution to the wind, and in an effort to see what Navy didn't like, I applied for the More Rewards. The wheel spun for ages then,
approved for $25,000 @ 6.95%
I'm still numb. I had to call in and verify it truly happened and wasn't a mistake, but the CSR said card coming in 7-10 days.
It raises TCL from $32,050 to $57,050
DPs in Navy Thread:
@NotRalphKramden - this is great! Would you mind adding more background if applicable?
- BK (7,11,13), Disharged, Dismissed. File date, discharged date?
- Filed BK7 6/19 Discharged 9/19 Closed 9/21
- Income if possible, F8/F9 Credit Scores
- Entered $115,000 though I make more, this is easiest to document
- TU F9 690-695
- TU F8 670
- DTI 22%
- TU inq 3/6, 6/12, 11/24
- util 5%
- Did you burn Navy in your BK?
- No, burned Chase, WF, Sync, AMEX and Cap One.
- Banking relationship?
- Checking and Savings ($50 Direct Deposit) about $500-750 balance
I'm also on a rebuild path with NFCU post discharge BK 13 - Trying to be as calculated as possible
This was my experience. YEMV
Best of luck.
Nicely done!! Congratulations on your NFCU approval!! 👏🏼🎉🍾
Awesome! Congratulations!
Congratulations on your approval!!