Update: Approved Navy Federal Credit Union - NFCU

[Dizzyskyline1]

I was just approved for checking and savings account with NFCU! yaaay!

Should I apply for a credit card and CLOC now or wait? Should I apply for both at the same time?  My FICO is 698/703/704 across all 3 scores.

I currently have a LOC with Penfed for 15K //  AMEX Pathfinder 16k //  Penfed   VISA rewards 6k. /  Discover 20k / NASA  9k/ Citi Costco 11k / Cap 1  11k / Home Depot 6k  / Wayfair 6k  /  Barclay Frontier 19k

[Anonymous]

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@Dizzyskyline1 wrote:

I was just approved for checking and savings account with NFCU! yaaay!

Should I apply for a credit card and CLOC now or wait? Should I apply for both at the same time?  My FICO is 698/703/704 across all 3 scores.

I currently have a LOC with Penfed for 15K //  AMEX Pathfinder 16k //  Penfed   VISA rewards 6k. /  Discover 20k / NASA  9k/ Citi Costco 11k / Cap 1  11k / Home Depot 6k  / Wayfair 6k  /  Barclay Frontier 19k

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NFCU starting limits on the first card are like a flip of a coin. If you aren't worried about 2 hard pulls I say go for it. My first card was $1K SL a year ago and you can see where my profile is now. With many hard pulls I might add. If you go for CLOC ask for the full $15K. I would apply for card and then CLOC same day.

Bless

[Dizzyskyline1]

Thank you... any suggestion on which card to apply for? 

[Anonymous]

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@Dizzyskyline1 wrote:

Thank you... any suggestion on which card to apply for? 

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Depends on your goals really, I dont use any of my Navy cards for every day spend. YMMV but I have read that the Flagship is hard to obtain as your first card. My first app was the Cash Rewards, second was the Flagship and then the Platinum. I plan on closing the Platinum soon or relocation most of the balance to my Flagship.

Good Luck!

[Dizzyskyline1]

Approved for cash rewards -   only 1k starting limit. 

so much for NFCU high SL    lol 

[Anonymous]

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@Dizzyskyline1 wrote:

Approved for cash rewards -   only 1k starting limit. 

so much for NFCU high SL    lol 

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Congratulations on your approval!

[Anonymous]

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@Dizzyskyline1 wrote:

Approved for cash rewards -   only 1k starting limit. 

so much for NFCU high SL    lol 

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Don't get distracted by the high SL you see reported here.  All profiles a viewed differently by Navy but one thing that holds true always is if you treat them well your limits will grow.  Patience is key

[Brian_Earl_Spilner]

The second and third cards are the ones that get the huge limits, if you qualify. 

[M_Smart007]

Congrats!!!

[tbque]

Congrats on the Navy approval!