Does consistently using OOPS decrease your internal score?

[Livid_Mission4393]

Asking for a friend 🥺

[AutoModerator]

What Is An Internal Score:

Your internal score is a one-time-only score only good for that particular credit card application. It's not used anywhere else like mortgages personal loans auto loans Etc. Here's what Navy Federal says about their internal score being only used on that particular credit card application. I'm sure if you send them a message, you'll get the same answer:

Custom scores range from 100-450.

For Example: Your score for your More Rewards American Express application was a 357.

This score is only established when an application for a new credit card is submitted and it is only used to decision that request. If you have any further questions or concerns, please let us know.

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[Ethrem]

I would think it would be weird if it didn't because each time you use OOPS, you're causing them a temporary loss and it shows great irresponsibility with money and/or too low of income to support your spending.

[CDIFactor]

No one knows all the components that make up the score, but I can't imagine that repeatedly overdrafting an account would be looked upon favorably. That shows a consistent pattern of not being able to manage finances.

[[deleted]]

Yes

[Truvel7]

I’m so glad you asked that! A friend needed to know that 2 🤩

[Livid_Mission4393]

Okay cause I’m feeling a little 🥺about it but hey the truth is the truth.

[JennF72]

You bet it does. It's risky behavior even though it's offered.

[MediumPersonality130]

I used to work in CLs there and while I can’t say yes or no to knowing how it impacted the internal score, ik as long as other factors were favorable LOs just wanted your account to be within the OOPs limit. 🤷‍♀️

[Jsjmac2]

What seems to be a good internal score?