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Updated :First credit card with Navyfed

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Regular Contributor

Updated :First credit card with Navyfed

After became a membership with Navy little over a month ago , I patiently wait for my utilization below 30% and some collection delete , today I try my luck and go for it , instant approved for 5600 sl and 11.24 Apr , woot woot ... and here my data for who need it to make decisions:
overall utilization 21 %
1 account balance over 50%
few paid charge off account
no collection
few late payment 18 month ago with Discover
transunion fico 8 : 654
I also try pre qualify with Amex , and it offer me amex everyday , I pull the trigger but received 14day message , I'll call Amex tomorrow to find out , my experian fico 660 at this time ...
Without you guys , I will never go this far in my credit profile , thank you so much ... my plan keep all my mortgage score above 640 to buy a house by end of this year ...
Updated : after app for Amex and received 14 days message , I call them but the department close on Sunday , just received an email from Amex congrats for approved 500 sl ... lolz but I'm happy they give me second chance after 1 burn them 10 years ago ...
Message 1 of 8
7 REPLIES 7
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Community Leader
Senior Contributor

Re: First credit card with Navyfed

Congrats on a couple great cards!


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 2 of 8
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Epic Contributor

Re: First credit card with Navyfed

"5600 sl and 11.24 Apr"

 

That is Sweeet!, Congratulations!!!

popcorn eating emoticon.gif

Message 3 of 8
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Valued Contributor

Re: First credit card with Navyfed

Congrats!  NFCU has been pretty good to us so far and we are using them as our main bank recently.




"Your ego is writing checks your body can't cash".
Message 4 of 8
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Regular Contributor

Re: First credit card with Navyfed

Thanks alot guys , you guy the best , I'm happy with everything right now , just garden and wait for mortgage come soon.
Message 5 of 8
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Established Contributor

Re: First credit card with Navyfed

Nice job! Congrats!

Chase Sapphire Reserve 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Red 4k
Citi Double Cash 13.5k
Amazon Store Card 10k

Fico 8s as of 11/1/2020:






Message 6 of 8
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Senior Contributor

Re: Updated :First credit card with Navyfed

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 7 of 8
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Valued Contributor

Re: Updated :First credit card with Navyfed

Awesome, congrats on the new cards. Pretty sweet!




Message 8 of 8
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