Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 1,179
Registered: ‎05-20-2010
0 Kudos

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

O6 wrote:

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?????


I believe concorduser meant to say USA Fed and NFCU merger.


CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0 Kudos

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

Creditaddict wrote:


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


I agree that you might see better results by switching your direct deposits to NFCU, then waiting 6 to 12 months (<-- I'd personally go for the latter end of that, and wait out the year if you still have lots of INQs). My thoughts are that it'll give you some more time to pay down your debt, let INQs fall off, and show NFCU that you want to be a contributing member. Give it some time so that you can drop off their "No Sir" radar.


I'd be shocked if, in a year's time, with an active deposit account(s), NFCU didn't warm up to you.


Friendly, Supportive & Respectful

Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources

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

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.