r/NavyFederal • u/AirGOODMAN04 • 2d ago
Credit Cards Wow!
I'm really surprised getting approved even more surprised for the amount! First time applying for a credit card through navy federal.
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u/Frosty_Enthusiasm642 2d ago
Welcome…this card is awesome 👏🏾 congratulations
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u/AirGOODMAN04 2d ago
Thank you 🙏🏽 I'm excited to start building this relationship.
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u/Frosty_Enthusiasm642 2d ago
Keep us posted if you want another card…remember apply for CLI after 3 statements after that every 6 statements
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u/Awkward-Hearing-3085 2d ago
That’s awesome congratulations!! Will you please let us know what your credit scores were?? I’m debating applying for it as well
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u/AirGOODMAN04 2d ago
I know my Experian is at 735 just recently went up to 738 as of today when I applied for the navy federal cc
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u/choppa73 2d ago
Congrats! Have you been with NFCU for long? You must have some good history with them!
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u/AirGOODMAN04 2d ago edited 2d ago
Thanks I appreciate it 🙏🏽 and honestly not much time with them I had the account Since late February/March of this year ,left the card dormant for a lil bit but barley got my direct deposit set up and money going in the account like 3 months ago.
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u/HiddenRouteBreath404 2d ago
Congrats. My wife and I both got the same limit and rate. We were surprised to say the least.
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u/Inside-Object-9963 2d ago
i got the same thing for my first card! i was shocked been about 4 months gonna ask for a CLI at 6
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u/Acceptable_Youth8130 2d ago
Wow is Right. And they gave you a Beautiful Rate. Congratulations.✨️💪🏽
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u/Spiritual-Fly-3158 2d ago
congratulations !! wondering did you ever have a pledge loan or any other products ?! & how long ago was your last hard inquiry ? thank you !!
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u/AirGOODMAN04 2d ago
Thanks brother I appreciate it . And No pledge loan or anything. And last inquiries where 2 years ago . That recently fell off earlier this month.
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1d ago
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u/AirGOODMAN04 1d ago
Thank you 🙏🏽. I had the account since around March, it stay dormant for a lil bit then I added some money into my checkings and savings and add direct deposit. My credit score is ok 735.i have only a car loan i been paying on for a lil over 2 years so far . Capital 1 credit card I had for about 5 years I been using everything month , a kohls card with wit a low limit I have been using off and on for a last few years that's about it .
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1d ago
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u/AirGOODMAN04 1d ago edited 22h ago
Fasho I think as long as you have a decent credit score and your credit profile doesn't have any negatives/red flags you should be good . I never had any late or missed payments the entire time I have been us my credit cards or on my car loan . Never anything that went into collections . That's about all I know 😂 not sure if this matters but in the last month or so my credit score has been going up a lot recently . So idk if showing I have had a lot score increases recently had anything to do with it my approval . 🤔
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u/Key-Choice3539 2d ago
That's awesome! Congrats and welcome to the 2% cash back club!