STRANGE NFCU FSR APPROVAL after DENIAL, with $18k CL. Multiple Derogs & thin file too.

[visualfxpro]

Profile notes:
6 year old Charge off still showing balance, with proof of full payment provided to NFCU
2 lates in last year, explained to NFCU in application
Thin credit file with 3 year average age
Limit granted within 10-20% of gross income

So get this crazy process:

Opened account a few years ago with enough money for a meal perhaps
Dormant for 1 year, then approved $1M mortgage, but did not take it
Year later with same money I oppened acount with, get prequalified for all cards
So I apply and it goes into review, days later get denial

     "After careful consideration, we are unable to approve your application."

I call, but they can't tell me why but lady mentions my account being dormant (suggests that could be why. Says she seen other banks do that)
I write away put a grand in the account, then start looking at Penfed card, so I don't have a wasted inquiry
Today I login and there is a new Flagship card on my account with $18k and I think it's a mistake but just confirmed it's real

So 3 days after they deny me, while I'm waiting on my letter,  and a few days after I made first deposit in 2 years, they magically decide to do another unprompted review and not only aprove but for $18k? Holy shizzle Batman!!

I know I'm going to inspire conspracy theories with this one, but a final data point is on my original application I went hard and hit them with all the docs and an explanation for all derogs. So basically I did an appeal and application in one. For the record, I sent them with my application:

Proof I paid off all my derogs
Bank statement and other equity documents
Pay stub

So I showed I was 100% debt free and my recent late was just a mistake. I also indicated I want to use their card as my main card and the reason is my card limits are too low, so it's a hassle chasing utilization numbers every month. I need a card that matches my spending comfortably and now I have it!

Now to move all my major spending here and tell BofA to kiss my muffins with their STUPID CLEAN 2 year SECURED $3k that they REFUSE to graduate. Same goes for all the other chump limit cards. I will throw them $30/mo charges and keep them zero balance reported. I'll report a few hundred on the Flagship and that's it!

Then watch what happens next. Charge off paid and updated and lates removed (hopefully), score jumps. Then a full year of new mortgage and my score jumps big time with that AND the charge off falling off my report by then. So maybe I'll be 780 FICO by 2023, then watch my auto CLIs start coming in. BofA auto grad, with $6k CL maybe? Cap1 auto CLI to $4k? TD/WF auto CLI to $3k?

Then I get the Saphire? AMEX?

Credit Profile

[CreditMagic7]

Congratulations on your Navy Flagship Card Approval!

[CreditAggie]

Congratulations on your NFCU approval!

[Elpadrino1]

Congratulations on your approval!!

[M_Smart007]

Great Story ..Nice Approval

Thanks for sharing.

[cashorcharge]

That's terrific!!  Congratulations on your NFCU Flagship Approval!! 🎉🥂👏

[Anonymous]

From a denial to a surprise $18,000 approval is truly amazing!  👏 👏 👏 

[Anonymalous]

I'm going to assume they put all the rejected applications on a roulette wheel, and yours came up double aught. Congrats!

[Anonymous]

Thanks for the data points @visualfxpro.

I may try the 2 in 1 appeal/application and see how it goes. What can it hurt?☺

[visualfxpro]

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@Anonymous wrote:

From a denial to a surprise $18,000 approval is truly amazing!  👏 👏 👏 

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Part of me still can't believe it. I was just looking at my account AGAIN. Maybe 5th time today. Still says $18k, Flagship. Has not changed all day. Just checked my mail box again. Still not card yet. Should be here by Wednesday I think.

I really thought this was a glitch. I was seriously going to call them and ask WHEN the card was arriving, just to pretend like everything is normal in case they made a mistake. I wanted to hear them acknowledge that this is real by saying when my card is coming, without raising any alarms and having them check and find it's a mistake and take it away. lol. "My card was denied and now I have a card after the website was down. Is this right?" "Hold on sir, let me check with IT.....OK sir, we have removed your card as it was a glitch". LOL. Keep in mind at that time I had not see their secure message informing me of the 'auto appeal'(that a thing?? lol), so at that time the last I heard was 'NO!', then I have a card, with no information profived. It's just there. LOL.