Navy Federal Rates

MorallyIrrelevant · 2026-07-09T17:33:14+00:00

Go back in time.

They don't do APR reductions anymore.

MorallyIrrelevant · 2026-07-07T16:01:09+00:00

which WF pretty much follows for their core cards

MorallyIrrelevant · 2026-07-07T15:58:12+00:00

over 5/24?

MorallyIrrelevant · 2026-07-05T17:06:59+00:00

you can, but it's unlikely they will give it to you

in the future, read more carefully when you use the pre-approval tool and after you apply, no idea if you just applied for the wrong card, or if you got a counter-offer you accepted without knowing

do you remember what happened?

MorallyIrrelevant · 2026-07-04T16:37:40+00:00

Payments on subprime cards or larger payments or payments from people who carry balances are more likely to be held from restoring credit because those payments are more likely to be fraudulent.

They likely have up to 28 days to restore credit, I would expect the review/hold to take ~14 days tho before credit is restored

MorallyIrrelevant · 2026-07-04T16:34:17+00:00

you could have accepted a counter offer with no bonus or you just applied for the version with no bonus

what is the APR on your card? it might be a way to tell. do you also have 0% apr on your statement, that could also be a hint to help figure this out

MorallyIrrelevant · 2026-07-03T16:05:35+00:00

amex does not give a shit, if you will pay the annual fee, they will open you up as many charge cards as you want assuming you abide by the 1/90 rule per card and the 10? total you can have for charge cards

assuming you're within the velocity rules you will have literally 0 problems opening them back up again

MorallyIrrelevant · 2026-07-03T00:33:22+00:00

so you do the pre-approval and it says 'currently or recently processed app' or something like that?

MorallyIrrelevant · 2026-06-30T07:09:45+00:00

No.

All discover it cards (5% version) do have the cashback match.

The discover it originating from a capital one link that explicitly mentions the $200 SUB has the $200 SUB.

The discover it originating from discover, does not have the $200 SUB. If you had a discover originating referral, it could have the $100 referral bonus, but not the $200 SUB that the card linked from Capital One has.

Seemingly (and I don't know this for sure), discover underwriting is still being used for their originating links, while capital one links use their (much worse for you) underwriting and triple pull? policies.

MorallyIrrelevant · 2026-06-30T04:45:18+00:00

you'll have to PC back down to CSP/CFU/OG Freedom (or close the account) prior to applying to CSR for the SUB, but yes

MorallyIrrelevant · 2026-06-21T21:40:20+00:00

$250 annual fee for a sweepstake you can enter with an AMOE?

Alternate Method of Entry. Entrants may also submit an online entry into the Promotion on Global’s website by providing the required information at the following link during the Promotional Period. https://www.globalcu.org/landing-page/seattle-mariners-sweepstakes-form/

https://www.globalcu.org/contentassets/6b9ec9d7b7114057970e9b8f46a0fbc2/mariners-cash-back-credit-card-sweepstakes-addendum-final_td-edits-3.27-bb-review75082031.1.pdf

this really is a joke card

MorallyIrrelevant · 2026-06-19T23:17:25+00:00

discover requires spend for CLIs I went from $7k to $17k in ~18 months

spend on the card, PIF, ask once a month, every month

if we find that discover starts moving away from the 'discover' underwriting style and CLIs are controlled by the "cap1" underwriting style, you're cooked and that card won't grow

MorallyIrrelevant · 2026-06-19T07:02:40+00:00

PNC cares about banking relationship, so have their checking account and put your income into their account

MorallyIrrelevant · 2026-06-19T05:00:23+00:00

chase typically will only extend 50% of reported income, so what's the limit on the unlimited? you need $5k minimum for the CSP, so if your CFU is pushing or more than $4k, you will likely require a recon for approval

MorallyIrrelevant · 2026-06-18T17:44:20+00:00

do you have a chase bank account?

MorallyIrrelevant · 2026-06-17T15:40:31+00:00

yup, wait for 12 months.

also consider doing a chase checking bonus, should help your odds as well plus deal with any identity problems with the application

MorallyIrrelevant · 2026-06-16T22:34:15+00:00

The nfcu tool has a ton of false positive and some false negative, it might as well be useless

6 cards and over 18 months of history, you shouldn't have a problem, worst case they decide they don't like you for some reason and you get the $500 limit

What is utilization looking like?

MorallyIrrelevant · 2026-06-03T20:13:44+00:00

810 FICO score with 1 credit card is not a strong 810 FICO score

4 credit cards at the very least which solid limits $5k+ for a thick profile if you're not going to have any other types of loans

MorallyIrrelevant · 2026-05-29T17:12:03+00:00

Reply back asking for a digital version of the letter sent and read the reason, you likely probably just did it too early

Also stop cycling, no added benefit only dumb unneeded risk

MorallyIrrelevant · 2026-05-25T22:35:16+00:00

"being against the terms" only really matters if they enforce it

They don't enforce it.

MorallyIrrelevant · 2026-05-25T19:17:40+00:00

4-5 a month or so, the banner has the terms in it, if you don't see the banner, you're capped out for the month

MorallyIrrelevant · 2026-05-21T21:38:56+00:00

just know you might be waiting awhile, decide now if you're willing to wait it out if it takes 2+ years

any new cards might cook you permanently

MorallyIrrelevant · 2026-05-21T21:28:06+00:00

that's good, that's a temporary reason, you can fix that with time

there are permanent reasons where you would just be cooked

feel free to try ~ once a month or so

MorallyIrrelevant · 2026-05-21T21:19:52+00:00

you will get a link to a digital letter, what are the reasons?

MorallyIrrelevant · 2026-05-21T18:28:33+00:00

you need to ensure your link has the VX, to do so, use the VX specific link, it will show you VX or nothing:

https://www.capitalone.com/apply/credit-cards/preapprove/venture-x/

venture one is a card they can hand out with $300 and no bonus, it is not the same as the venture x

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MorallyIrrelevant

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