Reply
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: am i the only one that gets pissed?

I don't think you'd have a problem unless your account is flagged for verification.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Highlighted
Established Member
Posts: 23
Registered: ‎02-05-2010
0

Re: am i the only one that gets pissed?

I don't like the restriction that doesn't allow all honerable discharged vets to join either.

NFCU is the first bank account I ever opened and I'm glad I kept it active. I have friends who are vets and they have no way to join.

 

I didn't realize how attractive NFCU membership is to so many people. It's crazy, I've actually had people ask me to have one of their bills sent to my address so they can claim that we are within the same household and then join through me. Smiley Indifferent

testMy FICO: EQ 787 - 01/14 | TU 782 - 9/13 | EX ??? - ?/?
Garden Club: App-free since 7/12
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: am i the only one that gets pissed?

Kind of Gree with the OP....

 

 

i can def understand family members of servicemen or those who work for DOD....but a roommate and not a disabled Vet? Seriously 

 

i could not care less if that is the rule, I also have a right to disagree with it as well

 

 


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: am i the only one that gets pissed?


jsickz32 wrote:
Im one of those people who slipped thru a crack to join...at least i think. I joined thru a cousin who lives on another state, we dont even have the same last name. U mad? Lol jk

And you're proud? 


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Frequent Contributor
Posts: 292
Registered: ‎06-05-2011
0

Re: am i the only one that gets pissed?

[ Edited ]

Sparkz1920 wrote:

Kind of Gree with the OP....

 

 

i can def understand family members of servicemen or those who work for DOD....but a roommate and not a disabled Vet? Seriously 

 

i could not care less if that is the rule, I also have a right to disagree with it as well

 

 


I agree that a roommate shouldn't be allowed in. But family should. Doesn't matter to me though since I am already a member and will be serving after college anyhow. Do they really let roommates join? I wasn't aware of that. They should close that loophole pronto. Immediate family should be allowed in but definitely not a roommate.

Scores: TU - 760 (Discover FICO - 5/31/2015), EQ - 777 (Citi FICO - 5/26/2015)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 7k, Citi Dividend WE- 6.5k, Chase Freedom - 4k
Last App: 6/10/2014. In the garden for a few years.
Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: am i the only one that gets pissed?


Rhaeny wrote:

I beleive that the OP was really talking about posts like this that was just started on New Years day:

 

Most creative way to join NFCU

 

Perhaps in the OP's rant he didn't explain himself fully and completely so many people have taken offense to it.  However in the post that I just referenced this guy is clearly not eligible but wants to know what can he do to get in.  I mean its probably someone just trying to ruffle feathers since his post count is only 3, but I still believe that it was THIS type of post that was getting to him and not the Vets and other Military personnel that are not able to join.


Thank you dear,

 

that is another one of the ones!!

 

I have the P&L let me see if i can dig these out

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: am i the only one that gets pissed?

Operating Statistics 3rd Quarter, 2012
Assets$51,589,622,754
 
Member Savings$37,225,087,714
 
Loans Outstanding$34,163,623,172
 
Reserves$5,799,082,105
 
Members

4,172,845

 

 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Community Leader
Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
0

Re: am i the only one that gets pissed?

[ Edited ]

JollehRoger wrote:

Sparkz1920 wrote:

Kind of Gree with the OP....

 

 

i can def understand family members of servicemen or those who work for DOD....but a roommate and not a disabled Vet? Seriously 

 

i could not care less if that is the rule, I also have a right to disagree with it as well

 

 


I agree that a roommate shouldn't be allowed in. But family should. Doesn't matter to me though since I am already a member and will be serving after college anyhow. Do they really let roommates join? I wasn't aware of that. They should close that loophole pronto. Immediate family should be allowed in but definitely not a roommate.


Every CU that I'm a member of allows for this membership opportunity.  Why wouldn't you want your CU to be successful by gaining as many members as possible allowed by law? It's how you get all the great benefits of membership.  The more a CU makes, the more you as a member gets in return by way of lower rates, higher limits and higher interest on savings.  Unlike a bank, a CU has to bestow all profit back to it's members.  Besides, if it's a roommate that you have a care for, why wouldn't you want them to have the same great benefits as you?  If it's someone that's not- don't tell them about the opportunity.  Let me be clear, I don't think anyone thha doesn't have a legitimate way "in" should have membership.  It's unlawful and puts the CU at risk.  I despise this!

 

Let me


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: am i the only one that gets pissed?

I'd rather my CU be successful by taking ALL members who have fought and even family members of those who have died for our country an opportunity to join

 

i could not care less about a roommate joining


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Moderator Emeritus
Posts: 12,023
Registered: ‎12-30-2011
0

Re: am i the only one that gets pissed?


improvingmycredit wrote:

McArthur wrote:

Very interesting!

 

Do you think there would also be objections from other CUs about increased competition from larger CUs?  

 


Hi!  because CUs are non- profit, they do not compete.  Therefore most CUs actually work together through an organization called CU Service Centers.  Many are on this network (though NFCU does not participate and I have solicited them to please do so)  and it allows one to go into any participating CU and do pretty much any banking you need as if one is in one's own CU.  Pretty nifty actually.  2 of my CUs participate and I have used the system all over the US.  You can google "Credit Union Service Centers" and see a list of all participating CUs.


Actually just because a CU is non-profit (or any other organization with this status for that matter) doesn't mean they're not in the business of making money, and absolutely compete against the rest of the market as a result.

 

I actually work for an organization which some would likely be slightly surprised to find that it's a non-profit... but everyone would think it patently absurd if anyone stated that we weren't out to make money, and they'd be 100% correct.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
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 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.

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

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