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Navy... Can you talk to decision makers?

Epic Contributor

Navy... Can you talk to decision makers?

I was told I had to wait for letter before it could be discussed, now that I have the letter, I'm being told that's all you get.  Then I asked for my credit score because last time they sent it to me and this lady told me they don't do that... Well clearly you did before!!

I'm so frustrated with going round and round with people who don't have any power to do stuff but they sure do have their 2 cents to add in!

Message 1 of 12
11 REPLIES
Super Contributor

Re: Navy... Can you talk to decision makers?

What exactly did you ask for and what did they say ?
Message 2 of 12
Epic Contributor

Re: Navy... Can you talk to decision makers?

I asked for an unsecured CC.

they said:

1. sufficient credit with other people

2. passed performance with other creditors (I guess that would be my bk from 2007)

 

I had just paid off a junk of debt, that's why I tried applying again.... I'll just wait a couple more months, think I will be wiping out over 50% of my current balances, then I will try again.

Message 3 of 12
Super Contributor

Re: Navy... Can you talk to decision makers?

Yes. Wait 3 months and ask again. Navy seems to be very liberal. Last week I asked for cli of 10k each on 2 of my cards. They approved 5k cli on each card.
Message 4 of 12
Moderator Emerita

Re: Navy... Can you talk to decision makers?


Creditaddict wrote:

I asked for an unsecured CC.

they said:

1. sufficient credit with other people

2. passed performance with other creditors (I guess that would be my bk from 2007)

 

I had just paid off a junk of debt, that's why I tried applying again.... I'll just wait a couple more months, think I will be wiping out over 50% of my current balances, then I will try again.


Do you have deposit accounts (checking & savings) with NFCU? If so, are you making regular deposits?

 

Edited because my fingers are faster than my brain.

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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 5 of 12
Epic Contributor

Re: Navy... Can you talk to decision makers?

 


LilMirth wrote:

Creditaddict wrote:

I asked for an unsecured CC.

they said:

1. sufficient credit with other people

2. passed performance with other creditors (I guess that would be my bk from 2007)

 

I had just paid off a junk of debt, that's why I tried applying again.... I'll just wait a couple more months, think I will be wiping out over 50% of my current balances, then I will try again.


Do you have deposit accounts (checking & savings) with NFCU? If so, are you making regular deposits?

 

Edited because my fingers are faster than my brain.


I do have accounts but I am currently not putting any money in it because it has daily limits for other banks doing transfer into it... I would have to do like 3 transfers before I could pay any of my bills... and it's all set up automatically at other banks! im tempted though

 

Message 6 of 12
Valued Contributor

Re: Navy... Can you talk to decision makers?

"working" accounts are very important to NFCU. Used to be not so much, but things change.

 

I would even consider changing your DD to NFCU. Otherwise they really may not work with you even in 3 or 6 months.

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 7 of 12
Super Contributor

Re: Navy... Can you talk to decision makers?

Not sure using the accounts makes any difference. I have $5 in my savings and $25 in my checking and I hardly use them at all. They approved $10K navcheck / 22k MC / 5 K nrewareds visa / 5k Plat Visa, I had been a member only since the usaa - nfcu merger.

Message 8 of 12
Senior Contributor

Re: Navy... Can you talk to decision makers?


concorduser wrote:

Not sure using the accounts makes any difference. I have $5 in my savings and $25 in my checking and I hardly use them at all. They approved $10K navcheck / 22k MC / 5 K nrewareds visa / 5k Plat Visa, I had been a member only since the usaa - nfcu merger.


USAA & Navy Federal CU merger?????

IAALBNYL
Message 9 of 12
Valued Contributor

Re: Navy... Can you talk to decision makers?


concorduser wrote:

Not sure using the accounts makes any difference. I have $5 in my savings and $25 in my checking and I hardly use them at all. They approved $10K navcheck / 22k MC / 5 K nrewareds visa / 5k Plat Visa, I had been a member only since the usaa - nfcu merger.


Well you are not exactly as challenged as the OP

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 10 of 12