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Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

NFCU unsecured my card

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...

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Creditaddict
Posts: 20,029
Registered: ‎10-23-2007
0

Re: NFCU unsecured my card

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

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: NFCU unsecured my card

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.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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dwhanc00
Posts: 55
Registered: ‎07-28-2009
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Re: NFCU unsecured my card

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

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Creditaddict
Posts: 20,029
Registered: ‎10-23-2007
0

Re: NFCU unsecured my card

 


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.

 

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: NFCU unsecured my card

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. 

 

 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Frequent Contributor
ChemGuy
Posts: 286
Registered: ‎05-02-2007
0

Re: NFCU unsecured my card

[ Edited ]

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:

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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: NFCU unsecured my card

 


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:


 

:smileyindifferent:

 

No, it wasn't.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
0

Re: NFCU unsecured my card


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?

 

 

 

 

Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
0

Re: NFCU unsecured my card


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:

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