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Frequent Contributor
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Registered: ‎04-26-2010
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Navy FCU Secured Denial

Anyone ever been denied a Navy FCU Secured CC...I?


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
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Registered: ‎12-30-2011
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Re: Navy FCU Secured Denial

Probably not, heard one was closed for legal reasons (court snatched the deposit) but can't think of a denial posted here at any rate.
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Frequent Contributor
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Registered: ‎06-04-2011
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Re: Navy FCU Secured Denial

I have never seen it in any posts either. Have you had any credit with them before that was unfavorable or anything?

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Frequent Contributor
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Registered: ‎04-26-2010
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Re: Navy FCU Secured Denial

Never had a card with them, but my credit is pretty screwed, so I just need a good acount on there. I was denied a Cap 1 secured...so if NFCU denies me...I'll be in Chapter 7 land.


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
Current Score: EQ FICO: 552 6/1/2014 Experian FAKO: 604 Trans FAKO 551 06/01/2041
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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
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Re: Navy FCU Secured Denial

I've never seen a denial. I had horrific collections and they gave me a chance but I didn't have a BK. Give it a shot you should be good to go
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Registered: ‎04-08-2012
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Re: Navy FCU Secured Denial

I was at  494 and was approved, after being declined for cap one. Re-tried cap-one and was approved.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
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Frequent Contributor
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Registered: ‎03-07-2009
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Re: Navy FCU Secured Denial

When I went into an NFCU branch last year to app for a secured card the person I sat with explained to me that NFCU would not deny a member a secured card because it was secured with your own money. Now I'll add to that in saying when you do apply, chances are if you have accounts with them that are in bad standing ie past due, unpaid, etc, then of course they're not just going to let you open a secured card because they would want you to take care of your past due balances with them first.

 

NFCU is a very lenient credit union. Once you do right by them, they'll take care of you. If you start messing up, they even try to work with you to get you back on track. I wished that I had tried them first for my secured card last year before wasting pulls with BOA, Cap1, and other places. They just unsecured my card a few weeks ago and gave me an increase so do try.


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Registered: ‎04-26-2010
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Re: Navy FCU Secured Denial

[ Edited ]

Appreciated that answers everyone!

  

 jordanmedical..I have beyond horriffic collections.. so that's good to hear. How long after you received Navy's secured were you approved for Cap 1? I've been denied by them more than once.

 

 

Sweets... how long did they take to unsecure your card, if I may ask?


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
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Posts: 12,952
Registered: ‎04-15-2011
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Re: Navy FCU Secured Denial

+1   Have never heard of a secured card denial from NFCU.


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