Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 39
Registered: ‎02-18-2013
0

NFCU experience ***UPDATED***

[ Edited ]

So I decided yesterday to call NFCU to determine if I was eligible to become a member.  I didn't think I was (never had proof) but I talked to the rep and since my father was active military when he passed away the rep stated that I was eligible.  She went ahead with setting me up with a checking and savings account.  The rep the warn me that there may be a request for verification paperwork so I'm stressing over that a little.  I have whatever they need.  I just dont like that they can freeze my account after I was told that I'm eligible (there really should be a better checks and balance process for this).

 

The rep provided me with my account ID , set me up with online access, and ordered me a debit card and mini card.  I asked her about the credit cards which she explained and I decided to wait on applying.  After talking to her, I checked this site, decided to take a chance, and applied for the cashRewards Visa. I received the application under review message and called back to speak with a credit app specialist.  I was told that the app was under review and that I could log on and check this morning. 

 

When I logged on, the first thing I see is a new account for a Signature Visa with a $5000 balance!  If this means I'm approved this is my second signature card.  The status still says app under review but geeze, I still dont know which to believe.  I'd really like to get over $5000 balance but I can be patient! 

 

UPDATE!

 

I got the official approval for cashRewards this morning.  Signature Visa at $5K and  APR prime plus 11.99%.  With this and the AMEX  apps (green approved; BCE pending) I'm done!  Garden Garden Garden!

 

Also, Can someone please explain what Navcheck is?  Yes I searched the forums and only came up with threads on app results.  Also, do people typically apply for the nRewards right after being approved for cashRewards?

 

I really hope my account and cc are straight with NFCU and I dont get the okie doke.

Take the myFICO Fitness Challenge

Tending to my garden for six (6) months October 2013 - April 2014
Established Contributor
Posts: 782
Registered: ‎09-19-2013
0

Re: NFCU experience

NavCheck is overdraft line of credit.

 

Best of luck to you with your new NavyFed accounts.  Congrats on the great card!

Current scores (FICO 8): EX-757, EQ-744, TU-753
NFCU Flagship $22K | NFCU Cashrewards $22K | DiscoverIT $34K | SECU Visa $10K | CSR $15K | Chase Marriott $11.5K | Chase Freedom $11.5K | AMEX SPG $15K | AMEX Hilton Surpass $15K | AMEX PRG | Aviator Red $17K | Sallie Mae $5k | Citi TY Premier $10K | USAA AMEX $6K | Cap1QS $8K | BJs MC $13K | Walmart MC $5.1K | Loft MC $11,250 | Macy’s Store/Amex $4.9K/$4K | BR Visa $5K | JCP $7.5K | Kohl’s $3K | VS $3.2K | Home Depot $10K | Lowes $8.5K | Target $2.5k | BoA Visa $2.4k
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: NFCU experience

Congrats on becoming a Navy member!Smiley Happy

 

Navchek is their LOC. Max CL is $15k, which is based on your credit-worthiness. The interest rate is the same for everyone. I believe it's 13.something %.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
Posts: 232
Registered: ‎09-26-2013
0

Re: NFCU experience

Its a LOC. I just joined myself, but I have been super disappointed in their loan officers. I am going to use them for the rewards card I got but that's just ME and the branch I have joined. Its a good bank !
My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Regular Contributor
Posts: 232
Registered: ‎09-26-2013
0

Re: NFCU experience

Remember, don't use over 500 of that limit unless you pay it off quick. ( To keep utilization down ). Good luck ! I have not looked at mine lately to see if it was 0 percent interest on purchases. Just applied and got it last Tuesday night
My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Valued Member
Posts: 39
Registered: ‎02-18-2013
0

Re: NFCU experience

Thanks for the info and thanks for the reminder re: 500 or less.

Take the myFICO Fitness Challenge

Tending to my garden for six (6) months October 2013 - April 2014
Established Contributor
Posts: 898
Registered: ‎04-21-2013
0

Re: NFCU experience

Navcheck- Mostly people get this because it shows as a cc account on report.

They usually will ask for last two pay stubs and if approved will send papers for you to sign.

Example they gave me $15,000.00  Instantly .

this will help keep my  Total Utilization lower ''

Always keeping an eyeSmiley Wink never to go over 9% Total Utilization for max scores.

 

 


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines
Epic Contributor
Posts: 28,810
Registered: ‎10-23-2007
0

Re: NFCU experience

i wouldn't worry about the $500 spend only... unless you are about to apply for something else, just pay each month.

 

it won't be 0%, they just ran that last month.... usually 1 maybe 2 a year they run a  0% offer for 12 months.

Valued Contributor
Posts: 1,350
Registered: ‎07-07-2013
0

Re: NFCU experience

I love NFCU as well as USAA! Smiley Very Happy
Valued Member
Posts: 39
Registered: ‎02-18-2013
0

Re: NFCU experience

@hot4u that really put things in perspective thank you!  Now im kinda interested in Navcheck ...

Take the myFICO Fitness Challenge

Tending to my garden for six (6) months October 2013 - April 2014

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.