Navy Federal Credit Union Mobile App pre-qualification

[Trooper2003]

Hey Guys, just signed up as a member of NFCU a few days ago, got the mobile app for checking and savings. The last couple of days when I open the app get a pop at the bottom of page about the Amex go rewards card with a bonus of 10,000 points that it expires June 30th. I did the prequalify tool and it said that I prequalify for all their cards, but a couple of people said that's it's unreliable. My trans union fico 8 score is 780 and fico 9 is 785. I love the

input from you guys!! Thanks so much!!

[KatSoDak]

That offer is on the bottom left of the mobile app BEFORE  I enter my passcode so I don't think it's a personal offer. It's more an FYI "look what we are offering folks in June" i.e. the extra 10,000 bonus points. 

[FinStar]

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@KatSoDak wrote:

That offer is on the bottom left of the mobile app BEFORE  I enter my passcode so I don't think it's a personal offer. It's more an FYI "look what we are offering folks in June" i.e. the extra 10,000 bonus points. 

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Yup, same here.  Plus, I already have the More Rewards.

OP - this is simply advertising and not indicative of a targeted offer.

[Anonymous]

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@Trooper2003 wrote:

Hey Guys, just signed up as a member of NFCU a few days ago, got the mobile app for checking and savings. The last couple of days when I open the app get a pop at the bottom of page about the Amex go rewards card with a bonus of 10,000 points that it expires June 30th. I did the prequalify tool and it said that I prequalify for all their cards, but a couple of people said that's it's unreliable. My trans union fico 8 score is 780 and fico 9 is 785. I love the

input from you guys!! Thanks so much!!

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The pre qual is not solid at all.  I got that from a customer service Rep. from Navy Fed.   But with your scores you would probably get a card.  For how much that's the real question.   They may start you out low since you are new.  I got my first Navy one week after I opened the account in 2017 and they gave me 23K!   I don't think they are giving out large CL like that anymore or at least I have not seen any recently.

[Anonymous]

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@Anonymous wrote:

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@Trooper2003 wrote:

Hey Guys, just signed up as a member of NFCU a few days ago, got the mobile app for checking and savings. The last couple of days when I open the app get a pop at the bottom of page about the Amex go rewards card with a bonus of 10,000 points that it expires June 30th. I did the prequalify tool and it said that I prequalify for all their cards, but a couple of people said that's it's unreliable. My trans union fico 8 score is 780 and fico 9 is 785. I love the

input from you guys!! Thanks so much!!

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The pre qual is not solid at all.  I got that from a customer service Rep. from Navy Fed.   But with your scores you would probably get a card.  For how much that's the real question.   They may start you out low since you are new.  I got my first Navy one week after I opened the account in 2017 and they gave me 23K!   I don't think they are giving out large CL like that anymore or at least I have not seen any recently.

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Maybe not initially but the big ones are still there. My first was $1k in December 2020. Four months later my second was approved at $25k. My TU09 was 750-760 at that time.

[arifjk]

NFCU has been really good to their loyal customers.

in Aug 2020 - I opened an account with them, and applied for their first cash reward. The SCL = $500, APR 18% - very low and max APR FICO9 - 708. 90/1 - CLI to $2,500, CL 183 days = $4,500. Then in 1 year request reduction APR got 9.69% their lowest advertise, and last CLI to $10k.

In Oct 2021 - Applied Flagship - SCL $10k APR 18%, 90/1 - CLI to $14k, 1 year reduction APR to 9.99%, just had another CLI to $20k

In Jul 2021 - Applied Their AMEX More Rewards (FICO9 798) - SCL $20k. Dec 2021 - CLI to $25k 

They are very accomodating.