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Navy Platinum V Approval -- $15,300 at 8.24%!!!

credit_is_crack
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!


@CBTS wrote:
Congrats on the amazing approval!

Thanks @MrDFinance and @CBTS!

Message 11 of 38
Jnbmom
Community Leader
Senior Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

congrats love the APRSmiley Happy

EXP 758 TU 783 EQ 729
Message 12 of 38
Hasselfree
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

Outstanding SL and APR on that NFCU Platinum!! Way to go and Congrats!

Thanks for sharing the dp's as well. 




"Your ego is writing checks your body can't cash".
Message 13 of 38
credit_is_crack
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!


@Jnbmom wrote:

congrats love the APRSmiley Happy


Thanks @Jnbmom - PenFed has always been my go to for low APR's but looks like Navy finally locked me in Smiley Tongue

Message 14 of 38
credit_endurance
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

Congrats CIC! This approval is encouraging as I haven’t been able to crack a 3rd card nor get past the $65k exposure I have with them. Converted my platinum into flagship 25 & 25 = $50 and moved on. Also have Cloc $15K. Have been hit with the maximum exposure thing for about a year now. You seem to have the formula for sucess with them.

Have you put much spend through your other products? Has your income increased?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 15 of 38
credit_is_crack
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!


@credit_endurance wrote:
Congrats CIC! This approval is encouraging as I haven’t been able to crack a 3rd card nor get past the $65k exposure I have with them. Converted my platinum into flagship 25 & 25 = $50 and moved on. Also have Cloc $15K. Have been hit with the maximum exposure thing for about a year now. You seem to have the formula for sucess with them.

Have you put much spend through your other products? Has your income increased?


I feel like I should have hit my wall with them but just keeps on going. How much have I charged with them -- I'm not sure what they think this money is going towards Smiley LOL On the flagship I've probably put about $400 in the last year, and that's being generous. They get very little usage and just go thru my regular cycle (every 90 days I charge $5.99 to refill my amazon gift card balance just to keep it alive). I've used my CLOC probably twice and both those times were about a year ago. My checking has a few hundred but no direct deposits or regular charges, in fact they just sent me the "your debit card is going to expire, but looks like you never use it anyway. use your debit card or we're not sending you a new one" letter about a month ago.

Message 16 of 38
credit_endurance
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

Very interesting indeed CIC. I haven’t really used my Navy products since first getting in the door with them and going for those always exciting CLI’s every 91 days😁 but once I reached $25k max without poi the spend also stopped for me.
Another thing I have to realize is my TU is STILL dirty for at least another year so my scores have stayed stagnant. Everybody’s profile in different in many ways so these small minut details do actually play heavily into who is approved for a 3rd card and also who is able to increase their exposure with said lender when you think your limit has certainly been reached.
Again big congrats my friend on pushing the envelope with them😉
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 17 of 38
doinit1
Valued Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

Congrats on your approval!!

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 18 of 38
CreditMagic7
Super Contributor

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

8.24 is a stellar APR in todays field of Lenders. Big Congrats! on the SL as well.

 

NFCU is already well known to tip the balance to cardholder's favor in so many ways Smiley Very Happy

Message 19 of 38
Remedios
Moderator

Re: Navy Platinum V Approval -- $15,300 at 8.24%!!!

@credit_is_crack  Congrats and weekend is almost over ...

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 20 of 38
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