I'd like a low APR card, a real one. Promotional intro-rates are awesome but I didn't have an actual low rate card so decided to take a stab at the Navy Platinum card. Submitted my app last night around 10p EST and got the message below
Figured it wouldn't be instant approval because of my current exposure with Navy ($15k CLOC, $59k Flagship), but I've been a member since 2008 with strong scores and a thick profile so I figured they'd at least take a look.
I'm not sure exactly what their total exposure guidelines are but I believe they are
- No more than $50k limit on Platinum, GoRewards, MoreRewards
- No more than $80k limit on Flagship
- No more than $80k across all Navy cards? (Not sure on this one but I've seen it around)
Considering the above I knew the most I could get, in a very perfect world, would be $21k, but I honestly was expecting a $1k-$4k approval because I really feel like I'm at my internal limit with them. Got my Approval text today @ 11a EST so gave them a buzz to get the details.
Navy Platinum Visa
- SL: $15,300
- APR: 8.24% (lowest available -- Woot-Woot!)
- CRA: TU HP, Fico9 797
- INQ<6mo: 5 -- Accts<6mo: 5
- INQ<12mo: 14 -- Accts<12mo: 11 (but 6 turn 1yr next month)
- Application: 24Hr pending review
This brings my Navy card exposure up to $74,300, and with my CLOC I'm up to $89,300 -- seems pretty steep to have in one spot, but they wouldn't have given it if I wasn't doing something right. Now I SERIOUSLY need to garden so no more apps this weekend 
Happy Mothers Day to all the Mothers out there!!
Congrats to you and nicely done!!👍x15.3k WOW!
“Terrific Job!” - Good Day NY
“15 Thumps up!!” - New York Times
“Jaw-Droping...” - New York Post
“Fa-Get-About-It” - Frankie “No-Neck” from the Bronx and Joey “Bag-a-Donuts” from Brooklyn
Enjoy!!😉
“Terrific Job!” - Good Day NY
“15 Thumps up!!” - New York Times
“Jaw-Droping...” - New York Post
“Fa-Get-About-It” - Frankie “No-Neck” from the Bronx and Joey “Bag-a-Donuts” from Brooklyn
Enjoy!!😉
>
@Brooklyn2018 wrote:
Congrats to you and nicely done!!👍x15.3k WOW!
“Fa-Get-About-It” - Frankie “No-Neck” from the Bronx and Joey “Bag-a-Donuts” from Brooklyn
Thanks @M_Smart007!
@Brooklyn2018 -- "...Frankie 'No-Neck'..."
Congrats on your new NFCU Platinum! Lowest APR is nice! 
SL - Win!
APR - Win!
APR - Win!
⋅ INQs: 6
@Ysettle4 wrote:
SL - Win!
APR - Win!
Thanks @Steve891, @pinkandgrey and @Ysettle4! I feel really good about this one. Some of the cards we get, we pick up just becuase but this one I plan on keeping very long term!
Congrats! and wow on that apr!! 🤯
