What credit score is needed for navy federal credit card

Thanks NFCU

Credit Karma Member

I have been a member for about 2 months and read other reviews here and other sites about NFCU and their approval process. I said what the heck. Credit score is just under 700 after getting out of bankruptcy over 3 years ago. Prequalified for all of their cards so I selected the AMEX card. Instantly approved for $25K!! Of course, I will use this wisely. Thank you NFCU. You just earned a lifetime customer!

NFCU lied about sign on bonus

Credit Karma Member

The card is ok but they didn't honor the sign on bonus agreement. I don't like dealing with liars so I'm done with NFCU. My best advice is: don't expect anything from them and they'll never disappoint you.

Thanks NFCU

Credit Karma Member

I have been a member for about 2 months and read other reviews here and other sites about NFCU and their approval process. I said what the heck. Credit score is just under 700 after getting out of bankruptcy over 3 years ago. Prequalified for all of their cards so I selected the AMEX card. Instantly approved for $25K!! Of course, I will use this wisely. Thank you NFCU. You just earned a lifetime customer!

Pretty happy with all NFCU products

Credit Karma Member

I applied for a secured card a little less than 2 years ago. As of March it still hadn't graduated but my credit improved nearly 80 points since then so on a whim I applied for an unsecured card and was approved for 5.3k. A month later I applied for a refinance and was approved for my 30k car loan! My previous loan was from my bad credit days and I was paying 16.7% interest! NFCU offered my 5.2%. My secured still hasn't graduated yet but I'm sure it's because of the recent lines of credit/loans I just took out, so I'm holding the course. My utilization is around 12% with 9k credit across all of my cards. Hope it graduates soon but either way I've been so happy with my relationship with them.

A great opportunity!!!

Credit Karma Member

I have been a member with NFCU for over 2 years now. I have been working on rebuilding my credit. Last Dec. I got a secured credit card and a secured loan with NFCU. The beginning of this process my scores were low 500s. I have 2 collection accounts. No late payments in over 2yrs on credit cards or loan. My secured card with NFCU hasnt graduated yet, but I found out that was due to a freeze I put on my credit report. My cc usage was around 48%. I received a promo for the Cash Rewards card and almost didnt bother applying since my secured card hadn't graduated yet. Luckily I followed my first mind and applied online and was instantly approved for $16,000. Current scores range from 625-641. My NFCU score is 322.

Cashback Rewards Visa

Credit Karma Member

I have been getting several invitations to apply for this card, but knowing my credit score i thought i wouldn't get approved. I currently have 640 score with 3 collections totaling roughly $1250 and most of my credit cards maxed out with limits of only 1400. So last night i applied using the invitation code thinking i wouldn't get approved and just to see what the outcome would be. I only had 1 hard inquiry on my credit so 2 wouldn't hurt. This morning i checked my email with a congratulations headline saying i was approved for 15k. I couldn't and still cant believe it lol thank you navy federal you're the best!!

Credit Karma Member

I?ve recently starting rebuilding my credit. 550 I started mid March 2019 got a secured card from OpenSky 200 credit limit. Two months later applied for capital one platinum 300 credit limit. My credit score was 610 when i got approved for capital one. By August my score went to 650 Tu 640 eq. I was told to open a bank account with a credit union. Got into navy federal by using my sister. Opened the account with 100 bucks 3 days later applied for their credit card. Go rewards! Got 1,100 instant approval. They?re awesome. I?ll check back in n about 3 months with a update?

TRASH

Credit Karma Member

Generally speaking, the credit card customer service department that handles the or that makes the final decisions and/or reviews of the applications are FAR from being JUST, FAIR, and ACCURATE. I applied for this credit card with a perfect 700+ credit score and all accounts in good standing as well as ?zero? deragotory remarks, and yet I was only approved for an amount that a 15 year old can make by working one day at a fast food restaurant. I have accounts in larger institutions that have rigorous eligibility requirements and I?ve never had a problem with any of them, until I crossed paths with this credit union. I applied because I wanted to see what all the fuss was about with people saying the benefits offered are better than your large or commonly known institutions with financing, APR, and annual fees. I was misled and disappointed, and definitely not worth the inquiry hit!?

Navy Federal is the best!

Credit Karma Member

If you're a Navy Federal member, you're in luck! I applied for this card in December with a 726 TU and 689 EQ and got approved for $25,000. I applied today, less than six months later, for a Navy Federal CashRewards Mastercard and got approved...again for $25,000! Thanks Navy Federal for these awesome high credit limits. My EQ score is over 800 now and TU isn't far behind.

WOW!!

Credit Karma Member

I applied with a 666TU/658EX/636EQ. They pulled my TU. I was approved for 25k CL! I have one collections account and current credit usage is 2%.?

Let's see!

Credit Karma Member

Applied for the AMEX more rewards today with 666 TU score. I will update if approved.??

Thankful

Credit Karma Member

Just opened my account with NFCU today, transferred my 401k to an IRA with them, I have been rebuilding my credit, and just took a chance, $1000 limit... Not much, less than my discover, but I am on the right track... I wish I would have know the importance of credit as a youth, but finally I am getting it together, thanks NFCU, now to work towards increases.? I treat all of my cards like an American Express to avoid interest, so I know it will increase soon. Excellent customer service when opening my account, creating an IRA account, an transfering to my ne IRA with NFCU, the help was appreciated.