topic Re: Finally became NavyFed member ! in Personal Finance

Finally became NavyFed member !

cuti — Sun, 24 Feb 2019 06:02:53 GMT

After so many years been waiting to join , but no chance because I have no connection with military at all , fast forward finally NavyFed let me in due to my roommate is a member , and she will stay with me for only few months lolz ... my score around 600 , should I apply for CC now or wait few months laters ? my utilization around 97% hahaha ... sorry for my bad English writing GUYS . Love you all and thanks God for this forum.

Re: Finally became NavyFed member !

Gmood1 — Sun, 24 Feb 2019 12:24:32 GMT

Congrats!
Anyway to get that utilization down before you apply? Navy's app system seems to zero in on DTI as one of the main approval factors.

With lower utilization, you have a greater chance of an approval and higher SL.

Re: Finally became NavyFed member !

AverageJoesCredit — Sun, 24 Feb 2019 15:13:32 GMT

Congrats on becoming a member. Not too much info on the roomate entrance route. I hope you can remain a full member. Apply for a cc with knowledge it will be a hp. You dont know til you try.

Re: Finally became NavyFed member !

cuti — Sun, 24 Feb 2019 22:02:31 GMT

Thanks so much !

Re: Finally became NavyFed member !

Anonymous — Fri, 01 Mar 2019 16:11:39 GMT

@cuti wrote:
After so many years been waiting to join , but no chance because I have no connection with military at all , fast forward finally NavyFed let me in due to my roommate is a member , and she will stay with me for only few months lolz ... my score around 600 , should I apply for CC now or wait few months laters ? my utilization around 97% hahaha ... sorry for my bad English writing GUYS . Love you all and thanks God for this forum.

Congrats on your membership! I'm still looking for a loophole to get my foot in the door lol.

Wait a few months, decrease the credit utilization to increase your approval odds

Good luck!

Re: Finally became NavyFed member !

Anonymous — Fri, 01 Mar 2019 16:29:44 GMT

@AverageJoesCredit wrote:
Congrats on becoming a member. Not too much info on the roomate entrance route. I hope you can remain a full member. Apply for a cc with knowledge it will be a hp. You dont know til you try.

On the other hand, a secured card will be no pull & guaranteed success. Recently did one in branch with a friend. I think this is better than just waiting -- starts the internal scoring gears.

Re: Finally became NavyFed member !

cuti — Sun, 03 Mar 2019 02:07:07 GMT

Jame_A you sure it's not a hard pull for secured card ? I Google , and most of results are hard pull ... I'm scare to try lolz...

Re: Finally became NavyFed member !

Anonymous — Sun, 03 Mar 2019 17:08:34 GMT

@cuti wrote:
Jame_A you sure it's not a hard pull for secured card ? I Google , and most of results are hard pull ... I'm scare to try lolz...

We did it in branch and the banker made a point of saying they would not need to pull credit. And they did not.

Beyond relating my experience I "guarantee" nothing. Although surely if a thing is done once it can be done again.

Re: Finally became NavyFed member !

Anonymous — Mon, 04 Mar 2019 00:53:37 GMT

If you don’t want a hard pull, freeze your credit reports. That 100% guarantees you won’t get a hard pull from anyone.