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NFCU CC Owners ... quick question

Frequent Contributor

NFCU CC Owners ... quick question

Does NavyFed allow you to use your HHI and, if so, what do you have to provide to verify? Thanks. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


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Message 1 of 10
9 REPLIES
Super Contributor

Re: NFCU CC Owners ... quick question


MamboItaliano wrote:

Does NavyFed allow you to use your HHI and, if so, what do you have to provide to verify? Thanks. 



For my CC, Navy didn't ask me to verify my income ~ although I do not recall if their application asked for HHI or not.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 10
Established Contributor

Re: NFCU CC Owners ... quick question


MamboItaliano wrote:

Does NavyFed allow you to use your HHI and, if so, what do you have to provide to verify? Thanks. 



I believe they allowed me to use my household income, but I'm not certain; it's been a few years since I applied for the card....

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Message 3 of 10
Valued Contributor

Re: NFCU CC Owners ... quick question

They ask for "Personal Annual Income". 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 4 of 10
Established Contributor

Re: NFCU CC Owners ... quick question

Nope, only personal. I got my card about a month ago.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Message 5 of 10
Senior Contributor

Re: NFCU CC Owners ... quick question

They didn't ask my gf to verify her income.  I believe they asked her for her personal income.  She app'd in person.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 6 of 10
Established Member

Re: NFCU CC Owners ... quick question

I was just approved on Friday.

All they asked me was my annual income.

Starting EQ 651 TU 662 EX 668 (EQ Pull 12/31/2011)
4/23/12 EQ 701 TU 712 EX 715
Goal Score: 750 then 800
Zync-NPSL, NFCU $2500, AFCU Visa $2000
Message 7 of 10
Frequent Contributor

Re: NFCU CC Owners ... quick question

Same as above, they just asked for my personal income.  I'm not a high roller but they didn't ask me to verify with anything.  (Did mine online.)

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Message 8 of 10
Frequent Contributor

Re: NFCU CC Owners ... quick question

Thanks folks. Appreciate the feedback. I am on the edge of pulling the trigger and I think I have everything I need to do so. Will let you know when I go to do it. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


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Message 9 of 10
Moderator Emeritus

Re: NFCU CC Owners ... quick question


MamboItaliano wrote:

Thanks folks. Appreciate the feedback. I am on the edge of pulling the trigger and I think I have everything I need to do so. Will let you know when I go to do it. 



NFCU is actually one of the few CC companies that will allow you to have joint CC accounts...   This can be helpful if one partner has a lower score or if one has more income than the other..   the plan is for me and my fiance to get a joint account, or for him to get a solo account, as soon as the cards he is AU on report a 0 balance. They are at 0 now, but they reported a balance this month.  I'm new to the whole paying before the statement cuts thing


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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