I did not qualify with higher scores and 10+ cards with $10k+ limits.
Flashship can be tough.
I would wait til your 2nd unsecured Navy card.
GL!
@Anonymous wrote:I have two Capital One Quick Silver cards ($1750 & $750). This year I received a Capital One Walmart $500 and Capital One Savor $1000. I already had a car loan with Navy Federal so I applied and got approved for a $1000 Checking Line of Credit with them. I wanted a credit card but because of all of the recent activity I just got a secured N Rewards card putting down $1000. I got the card May of this year and haven’t been graduated.
Right now, my Fico Score 8 is Equifax 667 as of 10/5/2021, Transunion 663, Experian 652. My Fico score 9 on their site is 649 Equifax. In a month or so I want to apply for their Visa Signature Flagship Rewards or Platinum in hopes of receiving a high credit line. I haven't missed any payments and kept my utilization low. I probably should of have waited with the Secured card; will that interfere with me getting approval for another card?
The flagship is my second card with NFCU, my TransUnion score was around 630ish when I get approved for a limit of 15000. As long as you already have a relationship with NFCU you've been paying everything on time, your chance of approval is pretty good. Make sure it's been 91 day and 3 statement cut since your first card.
I wouldn't honestly. I thought I was pushing my luck with a 730ish TU9 and lots of new accounts... and based on what I've read here, I should've been denied as others were... or at least been given a lower limit... like my two other credit union cards both at $5000.
To be fair they've known me a lot longer than other lenders.
Edit: I can't html apparently.
@Anonymous wrote:I have two Capital One Quick Silver cards ($1750 & $750). This year I received a Capital One Walmart $500 and Capital One Savor $1000. I already had a car loan with Navy Federal so I applied and got approved for a $1000 Checking Line of Credit with them. I wanted a credit card but because of all of the recent activity I just got a secured N Rewards card putting down $1000. I got the card May of this year and haven't been graduated.
Right now, my Fico Score 8 is Equifax 667 as of 10/5/2021, Transunion 663, Experian 652. My Fico score 9 on their site is 649 Equifax. In a month or so I want to apply for their Visa Signature Flagship Rewards or Platinum in hopes of receiving a high credit line. I haven't missed any payments and kept my utilization low. I probably should of have waited with the Secured card; will that interfere with me getting approval for another card?
There are many who have gotten a second card before their secured card graduated. I got my $8.2k Flagship with a 590 TU09 and the DW got a $15k MR Amex with a 620 or something. In each case, our secured card graduated a month or so later as score rose a bit more. We had some very filthy reports at the time.
No one here has any definitive answer. One person with several derogs and a low 600's TU09 can score a big $25k SL while someone with a stellar report and a mid 800's TU09 score can get a $1k limit. NFCU is excellent, but hard impossible to predict.
It is only a single TU Inquiry to find out your fate... (at least they don't nail you for CLI's any longer!)
