topic Re: NFCU unsecured my card in Credit Cards

NFCU unsecured my card

chasmith — Thu, 03 Feb 2011 23:23:38 GMT

Opened $3K secured card 12/09 (after BK7 discharge late 11/09). Got a note in the snail mail today saying they had unsecured, and would raise CL to $1K if it was less. Not as generous as what I used to hear but helpful all the same.

This may mean that they're near absorbing the merger and back to reviews and auto CLIs...

Re: NFCU unsecured my card

Creditaddict — Thu, 03 Feb 2011 23:24:59 GMT

I would go apply for another credit card with them... I bet you get much higher CL on new account.

Re: NFCU unsecured my card

chasmith — Thu, 03 Feb 2011 23:28:12 GMT

I intend to go after a refi of my Ford Credit Auto Loan and for CLI or another card and Navchek, but I need to clean up utilization a little more and see if I can get to 680, also need to age off a February INQ, I still have too many but the next one to age off will be in May. I figure I'll do the request in March.

Re: NFCU unsecured my card

dwhanc00 — Fri, 04 Feb 2011 14:43:26 GMT

Do you have to be a member? Also, how do you get around not being in the armed services?

Re: NFCU unsecured my card

Creditaddict — Fri, 04 Feb 2011 16:22:48 GMT

dwhanc00 wrote:
Do you have to be a member? Also, how do you get around not being in the armed services?

Don't believe you can get around it anymore... a lot of us joined when USAFed announced they were merging with Navy and you could join an organization to get in with USA.

Re: NFCU unsecured my card

chasmith — Fri, 04 Feb 2011 16:28:59 GMT

I joined through my father (retired Navy). He opened a savings account and then my entitlement came as his son. I think folks may be able to join on family affiliation to current or retired military even if the "sponsor" doesn't belonmg but it may take more paperwork.

Re: NFCU unsecured my card

ChemGuy — Fri, 04 Feb 2011 16:59:00 GMT

I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so :smileywink:

Re: NFCU unsecured my card

haulingthescoreup — Fri, 04 Feb 2011 17:54:33 GMT

ChemGuy wrote:
I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so :smileywink:

No, it wasn't.

Re: NFCU unsecured my card

MarineVietVet — Fri, 04 Feb 2011 18:47:53 GMT

ChemGuy wrote:
I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so :smileywink:

So you faced no ethical dilemma in knowingly lying on your membership application?

Re: NFCU unsecured my card

LilMirth — Fri, 04 Feb 2011 20:05:25 GMT

ChemGuy wrote:
I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so :smileywink:

No, I don't think that's "close enough" at all. NFCU is pretty specific about it's membership criteria. You can find it right here. I'd be willing to bet that NFCU Member Services would in no way approve or knowingly look the other way for anyone who they found to have submitted false information in their membership applications. Especially in light of the thousands of discharged service members who didn't join while active, and are no longer eligible unless they're a DoD annuitant.

It strikes me that if service members & their families who honorably served can accept the rules, then everyone else could too. :smileysad:

Re: NFCU unsecured my card

beamMEup — Fri, 04 Feb 2011 20:10:30 GMT

LilMirth wrote:
It strikes me that if service members & their families who honorably served can accept the rules, then everyone else could too. :smileysad:

+1.

BTW, I'm not eligible and I'm doing fine with those CU's that I can legitimately join.

Re: NFCU unsecured my card

ChemGuy — Fri, 04 Feb 2011 22:11:05 GMT

Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

Re: NFCU unsecured my card

LilMirth — Fri, 04 Feb 2011 23:06:11 GMT

ChemGuy wrote:
Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

It leaves you reasonably & understandably ineligible.

You didn't get in by any reasonable criteria, which is soley defined by NFCU. By your own admission, you could only gain membership by deceit. That certainly doesn't seem reasonable to me.

Re: NFCU unsecured my card

MarineVietVet — Fri, 04 Feb 2011 23:20:20 GMT

ChemGuy wrote:
Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

You can try and couch it in any terms you want but what you did was wrong. It wasn't "sorta" or "kinda" or "halfway" wrong. It was 100% wrong.

And this will be my last comment on the issue.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: NFCU unsecured my card

orl2185 — Sat, 05 Feb 2011 01:14:40 GMT

ChemGuy wrote:
I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so :smileywink:

Kudos to you for being so deceitful,

:smileysurprised:

MODS TY for chimming in.

Re: NFCU unsecured my card

O6 — Sun, 13 Feb 2011 04:27:42 GMT

chasmith wrote:
Opened $3K secured card 12/09 (after BK7 discharge late 11/09). Got a note in the snail mail today saying they had unsecured, and would raise CL to $1K if it was less. Not as generous as what I used to hear but helpful all the same.

This may mean that they're near absorbing the merger and back to reviews and auto CLIs...

Congratulations!

i had the same thing happen to my son's secured Visa. II'm not sure what the merger had to do with anything, though, since most people say Navy federal has never unsecured cards in the past unless one reapplied.

Re: NFCU unsecured my card

armywifey85 — Sun, 13 Feb 2011 16:20:35 GMT

When the representative asked how I was related to the member I said sibling--which was half-way true

Do you know what these SERVICEMEN and WOMEN go through? Your just gonna lie on an application to become a member! You are what's wrong with this country, no values at all!

Re: NFCU unsecured my card

HughBrockner1 — Sun, 13 Feb 2011 17:04:57 GMT

https://www.navyfederal.org/about/frequently-asked-questions.php

Wouldn't you be considered a "step" grand child? First question up...

Re: NFCU unsecured my card

myficomatt — Sun, 13 Feb 2011 18:25:05 GMT

Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

Once your family members have joined, they can extend the membership opportunity to their family members, too.

As you can see, you don't even have to be related. They told me that my roommate would be eligible so ease up on the poster, please.