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

Saeren
Mega Contributor

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

Congrats CIC, I’ve got this card at the lowest APR myself and I’ll be making sure I keep it for the long haul as well!

I love NFCU, they have been crazy generous with me Smiley Very Happy




Message 21 of 38
simplynoir
Community Leader
Super Contributor

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

Congrats on your approval there!

'He took my Doritos away though' - @imapharmacygirl, Wine Connoisseur
Message 22 of 38
delaney1
Established Contributor

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

Very nice! I have my eye on this card when I join. NFCU.

Message 23 of 38
Flex1
Regular Contributor

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


@credit_is_crack wrote:

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

 

Screen Shot 2019-05-11 at 8.53.00 PM.png

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 Smiley LOL

 

Happy Mothers Day to all the Mothers out there!! 

 

Screen Shot 2019-05-12 at 12.23.38 PM.png


So awesome!!!!!!!!!!!!! Navy Fed does it again!Smiley Happy

Message 24 of 38
credit_is_crack
Valued Contributor

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

Thanks @doint1!

 

@CreditMagic7 - you're right, this is a solid APR and stoked I nailed it. Wasn't sure if they'd let me have it but I guess it worked out, and with a SL I can use it with

 

@Remedios -- Yes!! I made it to Monday Smiley LOL Let's see what else I stumble upon lol 

Message 25 of 38
credit_is_crack
Valued Contributor

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

Thanks @Saeren! I don't see too many respectable low APR's from lenders this large so I'm definitely pleased with this card. 

 

Thanks @simplynoir and @Flex1

 

@delaney1, its pretty attractive for a no frills card but the APR makes it outstanding! 

Message 26 of 38
credit_is_crack
Valued Contributor

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

This is new -- at least from Navy. 

 

So looks like Navy took a page from Amex and gives you your card number online now..Got this random email from Navy today

 

Screen Shot 2019-05-13 at 7.52.01 PM.png

 

I clicked the link and it prompted me to login and accept my terms (love seeing that 8.24% lol)

Screen Shot 2019-05-13 at 7.49.22 PM.png

Then it went to this screen and actually showed me the info. Card number, CVV and EXP (of course assuming its all temp, but I didn't know Navy did this now)...nifty! 

Screen Shot 2019-05-13 at 7.49.37 PM.png

 

Message 27 of 38
Saeren
Mega Contributor

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

That’s interesting! They don’t even let you see your number on the app from what I can tell (BBVA lets you do that). They must want some dollars Smiley Wink





Message 28 of 38
credit_is_crack
Valued Contributor

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

When you click the button it flips the card around and all the data is there. Never did this with any of my other Navy cards. Feels very 2019 lol
Message 29 of 38
19eighty5
Senior Contributor

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

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 30 of 38
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