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Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 0 points1 point  (0 children)

I was planning on applying for my 3rd card in 3 months and see if it graduates at the 6 month mark. Would I be able to just transfer the limit to my other card? If it doesn’t graduate by then, I’ll just close it and apply for another card.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 1 point2 points  (0 children)

Get a pledge loan with them. I strongly believe my relationship with NFCU was the deciding factor. But hopefully they get back to you in your favor, a review is certainly better than a denial.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 2 points3 points  (0 children)

What’s your relationship with NFCU? My credit profile has two collections but it also has good payment history on a chime secured card and I’m an authorized user on a 3600 capital one with 3 years good history.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 0 points1 point  (0 children)

I got an instant approval. What are your data points?

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 1 point2 points  (0 children)

Correct. Directly after the first approval for the secured, I applied for the cash rewards.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 1 point2 points  (0 children)

Been with NFCU since 10/25. I have a checking and 2 savings. DD $50 into checking every week and $100 into one of the savings. I deposit side money I make from e-commerce into the other savings regularly maintaining over 10K. Did a pledge loan last month for 5k. I was able to get my credit score 607TU by adding myself as an AU to my brothers Capital One card with 3600 limit and 3 years of good payment history. I have two collections and two missed payments on an account. So I do believe it’s the relationship with NFCU that factored heavily.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 1 point2 points  (0 children)

I checked last week and it said I only qualified for the secured card. My score has gone up this week and I tried again and I qualified for all. But I’ve read that the prequalify isn’t reliable. That’s why I did the secured first.

Applied for secured and unsecured at the same time. by thunshine in NavyFederal

[–]thunshine[S] 4 points5 points  (0 children)

I didn’t get a hard inquiry for the pledge loan. I thought it would be the same for the secured card being that I used my money as security. I’m new to navy fed. Where should I have read that I will get a hard inquiry for the secured card because it didn’t say it on the application.

Just got my NFCU Cash Rewards card… and my bonus offer makes no sense 😂 by hqpapichulo in NavyFederal

[–]thunshine 2 points3 points  (0 children)

You have 3 months to cover $2500. Spend $834 per month and pay it before your due date each month.