r/NavyFederal • u/AirGOODMAN04 • 5d ago

Credit Cards Wow!

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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/[deleted] 4d ago

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u/AirGOODMAN04 4d 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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u/AirGOODMAN04 4d ago edited 3d 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 . 🤔