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Moderator
09Lexie
Posts: 24,380
Registered: ‎09-13-2012

Re: Navy Federal Credit card

New Member
twiddledee
Posts: 5
Registered: ‎07-11-2013

Re: Navy Federal Credit card

Congratulations......just make sure to use it wisely and it can only get better.  I am absolutely amazed at this Credit Union.

As I stated in my last post, I was approved for a 10K GoRewards Visa yesterday and today I went in to talk to a rep.

I am probably going to switcch over my direct deposit as well as a car loan and line of credit.  Funny how a simple thing

like granting me this credit card (trust) will come back to them many times over......They have my  business.

 

New Visitor
Lonewolfk9
Posts: 2
Registered: ‎07-24-2013

Re: Navy Federal Credit card

Hey guys, I am a member of NFCU for about 3 years now.  Just applied for a cash rewards credit card.  Filed bankruptcy last year in October and have been building credit for roughly 5 months.  All payments on time as of recent and a Fico of 616.  Not holding my breath yet but hoping for the best.  They are a fantastic bank and I have had them all! Best by a very long shot!!!

New Contributor
Ozix
Posts: 58
Registered: ‎07-12-2013

Re: Navy Federal Credit card


Lonewolfk9 wrote:

Hey guys, I am a member of NFCU for about 3 years now.  Just applied for a cash rewards credit card.  Filed bankruptcy last year in October and have been building credit for roughly 5 months.  All payments on time as of recent and a Fico of 616.  Not holding my breath yet but hoping for the best.  They are a fantastic bank and I have had them all! Best by a very long shot!!!


Definitely keep up posted!  I snuck out of the garden after only being in it for a couple weeks to join them, I'm almost positive it was a HP just to join them so I went all out and tried for a CC and Navcheck, both declined, but I figured so I have a bunch of new accounts and new inquires, plus my util is horrible right now cause of wedding expenses.  I did sign up for a secured card that will hopefully graduate in a year to unsecured :smileyhappy:  Back into the garden...

 

Oz



Starting Score: June 2013: EQ 573 EXP 541 TU 585
Current Score: Nov 2013: EQ 582 EXP 584 TU 615
New Visitor
Lonewolfk9
Posts: 2
Registered: ‎07-24-2013

Re: Navy Federal Credit card

Got an email from them with an approval! $3500 limit which is way more then I want/need but its a step in the right direction.  I had to file for bankruptcy (cleared in 10/12) so to get a credit card after that with such a high limit is outstanding.  Navy fed is the best bank I have ever dealt with I can't praise them enough.... for anyone else interested the way I built my credit back is simple.  We cleared bankruptcy in 10/12 and my credit score was a 480.  It immediately jumped up to a 565 once it cleared and then I applied for a Fingerhut credit card... sounds stupid but I got approved.  I pay it on time every month and now I just applied for the NFCU CC and got approved.  To anyone thinking about bankruptcy... It won't kill you like you think.  My wife just purchased a 2013 hyundai sonata at 3.9% apr and also has a CC through creditone bank with a $500 limit.  After bankruptcy you just have to pay everything on time and you will be just fine.  Once our credit is around a 700 we will start looking at houses so hopefully within a years time!  if anyone needs help or advice with bankruptcy please feel free to ask!

New Member
Monkeylover01
Posts: 7
Registered: ‎08-27-2013

Re: Navy Federal Credit card

I applied onlint and got an instant approval of 10K. I was blown away as well! Thing is I a have a few stubborn baddies that havent fallen off yet. ( 2 Charge-offs)  I'm really glad they gave me a chance. Im tired of the 100-300 Limit on Store cards. My husband applied and got 6k. Still more than we expected. I think everyone should give it a shot. If you can get an account with them of course. 

Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

Re: Navy Federal Credit card


Lonewolfk9 wrote:

Got an email from them with an approval! $3500 limit which is way more then I want/need but its a step in the right direction.  I had to file for bankruptcy (cleared in 10/12) so to get a credit card after that with such a high limit is outstanding.  Navy fed is the best bank I have ever dealt with I can't praise them enough.... for anyone else interested the way I built my credit back is simple.  We cleared bankruptcy in 10/12 and my credit score was a 480.  It immediately jumped up to a 565 once it cleared and then I applied for a Fingerhut credit card... sounds stupid but I got approved.  I pay it on time every month and now I just applied for the NFCU CC and got approved.  To anyone thinking about bankruptcy... It won't kill you like you think.  My wife just purchased a 2013 hyundai sonata at 3.9% apr and also has a CC through creditone bank with a $500 limit.  After bankruptcy you just have to pay everything on time and you will be just fine.  Once our credit is around a 700 we will start looking at houses so hopefully within a years time!  if anyone needs help or advice with bankruptcy please feel free to ask!


What was wifes score to get 3.9 at Hyundai?

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
JediNeo
Posts: 185
Registered: ‎11-22-2013

Re: Navy Federal Credit card

My father served 20 years in the military and has since passed away. My mother is still a recipient of his benefits. Are either of us eligible? I tried the wizard on the website but most of the questions seemed to be for active duty.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14
Frequent Contributor
digitaldiva
Posts: 429
Registered: ‎03-09-2011

Re: Navy Federal Credit card


JediNeo wrote:
My father served 20 years in the military and has since passed away. My mother is still a recipient of his benefits. Are either of us eligible? I tried the wizard on the website but most of the questions seemed to be for active duty.

I believe she would still be eligible, but if you're not a dependent or reside in the same household, you may not be eligible; but I could be wrong.  However, if you're not too sure about the questions on their website, feel free to call them; they're extremely helpful...I've been a member since my daughter went into the military in 2001, and I've never had a problem with them! 
Enjoying your freedom? Thank a servicemember and their family!!!
Regular Contributor
JediNeo
Posts: 185
Registered: ‎11-22-2013

Re: Navy Federal Credit card

Thanks digitaldiva, no longer a dependent. Oh well.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14

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