topic Re: Navy Federal credit Union in Credit Card Applications

Navy Federal credit Union

Anonymous — Tue, 04 Jul 2017 23:43:20 GMT

Hey guys. I have seen many, many, posts saying join navy federal .. So I applied and was approved membership with a checking a shared savings and a money market savings account.. Not sure why they gave me a money market account as I did not request it so I might have to call in and cancel that.. But anyways what's the next step to take with them. My FICO is hovering around 605 on all three reports

Re: Navy Federal credit Union

mrldp40 — Wed, 05 Jul 2017 00:53:41 GMT

@Anonymous wrote:
Hey guys. I have seen many, many, posts saying join navy federal .. So I applied and was approved membership with a checking a shared savings and a money market savings account.. Not sure why they gave me a money market account as I did not request it so I might have to call in and cancel that.. But anyways what's the next step to take with them. My FICO is hovering around 605 on all three reports

apply for a credit card now. i was approved for 1k with scores lower than yours

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 00:55:47 GMT

Congrats on joining an amazing CU. You could try for a cc now, its not unheard of someone with your score scoring a nice card. You might get an unsecured one but even a secured one would be a win. You can also hold off and let your profile improve. Just depends what you want to do.

Re: Navy Federal credit Union

Anonymous — Wed, 05 Jul 2017 00:56:09 GMT

Thanks.. Any tips on which card to go for I have 22 hard pulls.. They pulled my TransUnion report for the membership.. So I expect them to use it for the credit app. It's a603 32 percent utilization zero derogs aaoa is only 5 months and 10 open accounts

Re: Navy Federal credit Union

mrldp40 — Wed, 05 Jul 2017 00:58:13 GMT

@Anonymous wrote:
Thanks.. Any tips on which card to go for I have 22 hard pulls.. They pulled my TransUnion report for the membership.. So I expect them to use it for the credit app. It's a603 32 percent utilization zero derogs aaoa is only 5 months and 10 open accounts

i got the cash rewards card

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 00:59:11 GMT

All the cards have same underwriting but flagship is minimum 5k sl so thats probably off the table. Just depends on what you like. I see alot go for the Go Rewards , i just got the Cash rewards. Platinum is nice for the lower apr capability

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 01:00:07 GMT

Lol, we must be on same page tonight mrldp40

Re: Navy Federal credit Union

mrldp40 — Wed, 05 Jul 2017 01:03:59 GMT

@AverageJoesCredit wrote:
Lol, we must be on same page tonight mrldp40

thats true average joe

Re: Navy Federal credit Union

Anonymous — Wed, 05 Jul 2017 01:11:06 GMT

Okay guys I applied for the cash rewards and got the 24 hour review message.. Is that a denial?

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 01:15:07 GMT

Not necessarily. Just means they are going to check out your profile. The great thing even if you get a low sl it can grow relatively fast within the 1st year. I went from a $500 Plat to 5k in 4 months and got a second card at 6k so they are generous indeed

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 01:15:22 GMT

Good luck

Re: Navy Federal credit Union

mrldp40 — Wed, 05 Jul 2017 01:20:49 GMT

@Anonymous wrote:
Okay guys I applied for the cash rewards and got the 24 hour review message.. Is that a denial?

sorry ,usally if it says 24 hours its been a denial for me. good luck though

Re: Navy Federal credit Union

AverageJoesCredit — Wed, 05 Jul 2017 01:55:49 GMT

Ah, man, i hope not but if it is perhaps op can call and ask to teconsider for a secured card?

Re: Navy Federal credit Union

sweetcinn — Wed, 05 Jul 2017 02:17:05 GMT

24 hour message is not necessarily a denial. I got that and was approved the next day for my goRewards. If denied, go for a secured, I started out that way befiore getting an unsecured one.

Re: Navy Federal credit Union

Anonymous — Wed, 05 Jul 2017 02:24:50 GMT

The 24 hr review worked out for my wife a few days ago.

She was approved for $10.000 the next day !

Keep your head up and think positive !

Re: Navy Federal credit Union

ryder32244 — Thu, 06 Jul 2017 14:16:52 GMT

I got the message when applied in April, sent a secure message which they responded to and directed me to call. I called, they jus verbally asked about my income and 5 mins later I was approved.

Hope this helps.

Re: Navy Federal credit Union

Anonymous — Thu, 06 Jul 2017 14:19:51 GMT

Thanks..I called in and it was denied. Have to wait for the letter to know why, but more than likely it's due to inquiries. I have 22 ok TransUnion and 25 on Equifax..2 of them are from nfcu got the membership application. I'll just drop my utilization back down to 8 percent and garden for a while.

Re: Navy Federal credit Union

sueblue34 — Thu, 31 Aug 2017 23:15:03 GMT

Re: Navy Federal credit Union

sueblue34 — Thu, 31 Aug 2017 23:15:40 GMT

How did you get in? Do you have military ties?

Re: Navy Federal credit Union

Anonymous — Thu, 09 Nov 2017 23:31:52 GMT

I joined back in July and applied for a CC and was denied. I waited until earlier this week and re-applied and again denied. I haven't recived the letter stating why yet. Since July I have a Secured Discover card, C1 Premium and C1 QS both with $1K limits. I also have a WalMart card with $500 limit and Lowe's witha $2K limit. I'm thinking cause I'm a Homemaker is why my application has been denied. I won't know for sure until I get the letter. I haven't had great luck as so many here on the forum with NFCU.