Regular Contributor
Chrisla2077
Posts: 207
Registered: ‎04-26-2010
Navy FCU Secured Denial

‎10-09-2012 07:23 PM

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

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Revelate
Posts: 4,285
Registered: ‎12-30-2011
Re: Navy FCU Secured Denial

‎10-09-2012 07:27 PM

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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tonyaether
Posts: 334
Registered: ‎06-04-2011
Re: Navy FCU Secured Denial

‎10-09-2012 07:29 PM

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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Chrisla2077
Posts: 207
Registered: ‎04-26-2010
Re: Navy FCU Secured Denial

‎10-10-2012 05:39 PM

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: 509 03/11/2013 Experian FAKO: 496 Trans FICO 527 1/06/2011
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rootpooty
Posts: 1,611
Registered: ‎10-28-2011
Re: Navy FCU Secured Denial

‎10-10-2012 06:19 PM

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
NFCU plat 5k | NFCU cashrewards 3k | Chase Freedom 1.5k |
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Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012
Re: Navy FCU Secured Denial

‎10-10-2012 07:32 PM

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

-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, CareCredit:$3K
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Sweets8E
Posts: 245
Registered: ‎03-07-2009
Re: Navy FCU Secured Denial

‎10-11-2012 08:30 AM

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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Chrisla2077
Posts: 207
Registered: ‎04-26-2010
Re: Navy FCU Secured Denial
[ Edited ]

‎10-11-2012 12:56 PM - edited ‎10-11-2012 12:57 PM

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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Shogun
Posts: 7,372
Registered: ‎04-15-2011
Re: Navy FCU Secured Denial

‎10-11-2012 01:12 PM

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

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