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After weeks of waiting ...

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Frequent Contributor

After weeks of waiting ...

I am finally in with Navy Fed! Just set up my account and will fund later!

Not going for any credit card products now since my utilization is at around 15% of 100k credit lines due to tuition fee.

When I get my utilization down to 10% then I'll probably apply for the GoRewards!

So happy finally in with the best!
Message 1 of 23
22 REPLIES 22
Established Contributor

Re: After weeks of waiting ...

Probably won't make much of a difference
Message 2 of 23
Valued Contributor

Re: After weeks of waiting ...

Good news...congrats!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 3 of 23
Frequent Contributor

Re: After weeks of waiting ...

Thanks guys. I know I said I wouldn't apply for anything yet but I am debating if I should just apply.
Message 4 of 23
Valued Contributor

Re: After weeks of waiting ...

for Navy, I don't think 15% would be too high at all. wouldn't think it'd make that much of a score difference either to drop 5%.
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 5 of 23
Regular Contributor

Re: After weeks of waiting ...

doit.jpg

Starting Scores: 09.03.16
EQ: 569 TU: 591 EX: 570

Current Scores:
EQ: 674 TU: 730 EX: 679
Message 6 of 23
New Contributor

Re: After weeks of waiting ...

Go for it....do it do it do it!

 

then come back and tell us how it worked for you.

Message 7 of 23
Valued Contributor

Re: After weeks of waiting ...

Congrats op! I want to be in with NFCU so bad!
Message 8 of 23
Established Contributor

Re: After weeks of waiting ...

Congratulations on joining! I don't think it will flag too much of a difference from 10%-15% util. You might likely be surprised with an auto approval for a high amount!
In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 9 of 23
Frequent Contributor

Re: After weeks of waiting ...

How do i fund my account? I can't transfer from an outside bank and can't use edeposit yet..

 

Message 10 of 23
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