topic Re: Navy Federal in Credit Card Applications

Navy Federal

Anonymous — Mon, 12 Oct 2020 22:08:21 GMT

My son recently applied for Navy Federal. He is 19 and in the Air Force. He's wants to start working on establishing credit. His application was denied. Advise that he contacts them directly. He's been banking with Navy Federal for awhile. So if not Navy Federal what card do you suggest?

Re: Navy Federal

M_Smart007 — Mon, 12 Oct 2020 22:13:05 GMT

Usually Navy is pretty easy to get an approval from.

Did they offer him a secure card?

" Advise that he contacts them directly." I would follow up on that .. JMHO

Re: Navy Federal

AllZero — Mon, 12 Oct 2020 22:22:34 GMT

What card did he apply for?

The secured nRewards would be a great starter card.

Does he have any open installment loans, e.g. student, auto, mortgage, etc? If not, perhaps a Navy SSL would be a great product too.

Re: Navy Federal

Anonymous — Mon, 12 Oct 2020 22:26:23 GMT

He has no open accounts. At least not you our knowledge. I know with joining the Airforce he has to have good credit. They check and I'm sure they would have said something. I believed he applied for the ahi rewards card(blue).

Re: Navy Federal

M_Smart007 — Mon, 12 Oct 2020 22:34:22 GMT

@Anonymous wrote:
He has no open accounts. At least not you our knowledge. I know with joining the Airforce he has to have good credit. They check and I'm sure they would have said something. I believed he applied for the ahi rewards card(blue).

Could be something as simple as ID verification .. We could only guess at this point.

I highly recommend to follow up with contacting them. Per their request.

Re: Navy Federal

Anonymous — Mon, 12 Oct 2020 22:35:57 GMT

Thank you

Re: Navy Federal

Anonymous — Tue, 13 Oct 2020 04:22:59 GMT

@Anonymous I agree with what has been said above.

I am sorry to hear that he was declined.

I would also suggest waiting for the denial letter for the specific reasons that he was declined. And while you are at it, you can ask your son to pull all three credit reports from annualcreditreport.com and review his reports for inaccuracies (its free once a week till next year).

Navy usually pulls Transunion for credit cards. Worst case scenario, he could apply for the secured card if all else fails. Navy has a great secured card (as does Discover).

Also, I hope you are a member as well. Under normal circumstances, Navy is very generous with credit limits.

Good luck, keep us posted.

Re: Navy Federal

OmarGB9 — Tue, 13 Oct 2020 08:10:47 GMT

I'd call, or wait for the denial letter to arrive and see what it says, then go from there.

Re: Navy Federal

spiritcraft1 — Tue, 13 Oct 2020 12:09:48 GMT

@Anonymous wrote:
My son recently applied for Navy Federal. He is 19 and in the Air Force. He's wants to start working on establishing credit. His application was denied. Advise that he contacts them directly. He's been banking with Navy Federal for awhile. So if not Navy Federal what card do you suggest?

You should have him pull his three reports from annualcreditreport.com That is the official site and you can pull weekly for free through April something. Everyone should pull their reports actually. Knowledge is power.

And... that NAVY SSL is essential, easy and a no brainer.

Re: Navy Federal

KangiCosmos — Wed, 16 Dec 2020 23:37:40 GMT

Navy Pulled Equifax for me.

@Anonymous wrote:
@Anonymous I agree with what has been said above.

I am sorry to hear that he was declined.

I would also suggest waiting for the denial letter for the specific reasons that he was declined. And while you are at it, you can ask your son to pull all three credit reports from annualcreditreport.com and review his reports for inaccuracies (its free once a week till next year).

Navy usually pulls Transunion for credit cards. Worst case scenario, he could apply for the secured card if all else fails. Navy has a great secured card (as does Discover).

Also, I hope you are a member as well. Under normal circumstances, Navy is very generous with credit limits.

Good luck, keep us posted.

Re: Navy Federal

OmarGB9 — Thu, 17 Dec 2020 02:14:34 GMT

@KangiCosmos wrote:
Navy Pulled Equifax for me.
@Anonymous wrote:
@Anonymous I agree with what has been said above.

I am sorry to hear that he was declined.

I would also suggest waiting for the denial letter for the specific reasons that he was declined. And while you are at it, you can ask your son to pull all three credit reports from annualcreditreport.com and review his reports for inaccuracies (its free once a week till next year).

Navy usually pulls Transunion for credit cards. Worst case scenario, he could apply for the secured card if all else fails. Navy has a great secured card (as does Discover).

Also, I hope you are a member as well. Under normal circumstances, Navy is very generous with credit limits.

Good luck, keep us posted.

They switched to using TU exclusively for credit products around September. When did you apply?

Re: Navy Federal

KangiCosmos — Sat, 19 Dec 2020 05:13:35 GMT

2014. Good to know they use Transunion now. My worst score of course lol.

@OmarGB9 wrote:
@KangiCosmos wrote:
Navy Pulled Equifax for me.
@Anonymous wrote:
@Anonymous I agree with what has been said above.

I am sorry to hear that he was declined.

I would also suggest waiting for the denial letter for the specific reasons that he was declined. And while you are at it, you can ask your son to pull all three credit reports from annualcreditreport.com and review his reports for inaccuracies (its free once a week till next year).

Navy usually pulls Transunion for credit cards. Worst case scenario, he could apply for the secured card if all else fails. Navy has a great secured card (as does Discover).

Also, I hope you are a member as well. Under normal circumstances, Navy is very generous with credit limits.

Good luck, keep us posted.

They switched to using TU exclusively for credit products around September. When did you apply?

I thought that maybe it went by area you live in. I noticed when I lived in AZ Equifax seemed to be pulled the most for me and when living in Indiana it's Experian the most for me.