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whats up credit family its your boy mr critic banking and i am back again with another video in todays video were gonna discuss um some deny letters that i received from navy phil guys i find these letters um very interesting i was able to learn a lot from both of these denial letters and theyre kind of interesting theyre kind of like a denial letter slash approval ill get into the specifics in the in a in a minute so um i have two cards from navy federal and um i want to kind of go for the denial letters that i received over the past two months ive been denied not four times on these two um credit cards and i find these data points to be very very interesting i think theyre going to help a lot of people out there so back in january 24th i received um a denial letter for a particular credit card that i have and it says youve docHubed your navy federal maximum unsecured credit limit so fair you know im denied okay and then i wait like a month because as you guys know these are