Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Frequent Contributor
MrCredit
Posts: 349
Registered: ‎11-13-2008

Navy Federal

Options

‎08-22-2012 04:56 PM

Has any members in here had experiences with Navy Federal? I just figured out I am eligible to join.  

Do they ask for VOI? even with high credit scores?

PSECU Visa $20,000, PSECU LOC $20,000, BOA Amex $18,500, Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Sears MasterCard $5,000, Citi Diamond Preferred MC $8,300 USAA MC $9,800, Chase Slate $9,000 Lowes $10,000, Chase Sapphire Preferred $10,000, Amazon CC $2,500, Kohls Charge $1,000, Amex Gold PR,

Recently Cut Discover and HSBC loose due to low limits.
Message 1 of 15 (1,258 Views)
 
Reply
Established Contributor
jordanmedical
Posts: 991
Registered: ‎04-08-2012

Re: Navy Federal

[ Edited ]
Options

‎08-22-2012 05:06 PM - edited ‎08-22-2012 05:35 PM

They only verified my income for my Navcheck (Overdraft LOC).

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 2 of 15 (1,244 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,630
Registered: ‎09-16-2011

Re: Navy Federal

Options

‎08-22-2012 05:18 PM

Typically they don't verify income
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 3 of 15 (1,221 Views)
 
Reply
Senior Contributor
score_building
Posts: 3,293
Registered: ‎01-10-2008

Re: Navy Federal

Options

‎08-22-2012 05:50 PM

 

webhopper wrote:
Typically they don't verify income

This varies based on a variety of factors.

12/12 FICOS:
EX 749 (PSECU) EQ 755 (DCU) TU 777 (WALMART)
Message 4 of 15 (1,193 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,630
Registered: ‎09-16-2011

Re: Navy Federal

Options

‎08-22-2012 06:50 PM

They didn't verify my husbands for his plat. They didn't verify my cash rewards. But they verified for my truck refinance
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 5 of 15 (1,148 Views)
 
Reply
Established Contributor
jordanmedical
Posts: 991
Registered: ‎04-08-2012

Re: Navy Federal

Options

‎08-22-2012 07:27 PM

I think they only verify for loan products (navcheck, car loan, etc.)

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 6 of 15 (1,126 Views)
 
Reply
New Contributor
armyguy90
Posts: 70
Registered: ‎10-29-2009

Re: Navy Federal

Options

‎08-23-2012 07:03 PM

I have had an auto loan, 2 personal loans, and currently have a credit card and an additional personal loan and they've NEVER asked for VOI
Message 7 of 15 (1,005 Views)
 
Reply
Established Contributor
searchingfor67
Posts: 612
Registered: ‎08-02-2011

Re: Navy Federal

Options

‎08-23-2012 07:12 PM

They have never asked to verify my income, and in addition to a credit card and loc, I have also taken out a sig loan and vehicle refinance....

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $17K | Amex Costco TE $10.4K | Amex SPG $6.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi Dividend World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Message 8 of 15 (990 Views)
 
Reply
Contributor
greeneman21
Posts: 80
Registered: ‎06-18-2012

Re: Navy Federal

Options

‎08-23-2012 07:13 PM

Lol been a member for 3 days, no income verification for CC, but needed 2 paystubs and recent bank statement to approve NavCheck. Not sure if it was because of the amount or its required with all NavCheck apps.

Wallet: NFCU Flagship 25k--USAA AMEX 17.5k-- USAA VISA 12K--USAA World MC 12k-- Discover 11k--PenFed Plat 10k--- NFCU NavCheck 12k

Message 9 of 15 (987 Views)
 
Reply
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: Navy Federal

Options

‎10-08-2012 09:36 AM

Random Question: Does anyone know the amount of a discount Geico gives to Navy Federal members?

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Message 10 of 15 (759 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+