Does NFCU Blacklist?

phumanr · ‎12-11-2012

All,

Does NFCU Blacklist? I had some credit problems due to a job loss and had two Navy accounts go into collections. I settled both accounts for less than the full amount owed.

Thanks,

Phumanr

jsickz32 · ‎12-11-2012

theres some threads in here that say that they blacklist for life....

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

LesWH · ‎12-11-2012

@jsickz32 wrote:
theres some threads in here that say that they blacklist for life....

WOW!! I guess if NFCU loves hard (generous credit limits), they can hate hard too (blacklist for life)!!

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014

phumanr · ‎12-11-2012

So take care of them!!! I will truly miss them...the best card product I have ever had.

Phumanr

Duncanrr · ‎12-11-2012

@phumanr wrote:
So take care of them!!! I will truly miss them...the best card product I have ever had.

Phumanr

Sounds like you are talking from experience...what happened? (IF you dont mind sharing)

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webhopper · ‎12-11-2012

Everything I have read says they don't forgive

I'm sorry

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

jsickz32 · ‎12-11-2012

i remember reading that they also put the person who helped you join on their watchlist if you burn them. i dont know if thats true

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

ihatemyscore · ‎12-11-2012

They DONOT BLACK LIST! I AM LIVING PROOF. Listen..

I had a checking account go into collections, 40 dollar charge off. I settled a credit card for 1000 and included them into BK.

I talked to the bankruptcy department, volunteerly paid back all my debt and they re-opened a checking/savings for me. You must pay back every penny you owe regardless of settling and or in BK before they consider it. I threw there modo into their faces. "Once a member, always a member".

Im sure it may take a couple yrs before they trust you with a CC but it's worth the wait.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.

jsickz32 · ‎12-11-2012

@ihatemyscore wrote:
They DONOT BLACK LIST! I AM LIVING PROOF. Listen..

I had a checking account go into collections, 40 dollar charge off. I settled a credit card for 1000 and included them into BK.

I talked to the bankruptcy department, volunteerly paid back all my debt and they re-opened a checking/savings for me. You must pay back every penny you owe regardless of settling and or in BK before they consider it. I threw there modo into their faces. "Once a member, always a member".

Im sure it may take a couple yrs before they trust you with a CC but it's worth the wait.

you paid them back completely. OP settled for less than owed....theres a diff

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

ihatemyscore · ‎12-11-2012

All the OP has to DO is pay back every penny owed. Then they will be willing to offer the OP products. If one truely cared about having a good relationship with NFCU then one would pay them back completely.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.