topic Re: am i the only one that gets pissed? in Credit Cards

am i the only one that gets pissed?

swpopham — Sun, 30 Dec 2012 14:08:44 GMT

When I log on and see a thread everyday about how to join NFCU? Go join the army if you want the benefit of a military credit union. I took a bullet for this country that I love. I served as a safety officer for fort Sam Houston. I can say I earned my place at navy federal. I send them a message every time I see an undeserving person trying to weezle their way in. This last response I got said they watch these forums and credit boards. And the security team is on top of it. I really enjoy threads about I snuck in and now I'm pisses because " my accounts are frozen and my money is locked up!" It really makes me mad when something good is leaked on the internet then its ruined by people.... sorry if I offend anyone I think there needs to be something special and off limits like va loans and banks/cu I earned it. Your husband, dad, mom... did roommates should not qualify!!!

End of rant

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 14:23:43 GMT

I agree completely. People will always try and take advantage of the system anyway they can. Ultimately it's up to NFCU to make sure this doesn't happen. Don't be sorry for expressing the way you feel, if someone disagrees so be it.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:13:50 GMT

I've been lurking on these boards for quite a while and never felt compelled to respond to a post until I saw yours. I totally agree with you.

My son continues to serve in the Army and has endured deployments and spent more time away from his family than with his family in order to serve his country. He puts his life on the line and his family has dealt with years of worrying. We have been very lucky (so far) and he has always returned unharmed, but the fear is always there.

I joined NFCU after my son "forced" me to. He had become a member quite a few years ago and about six months ago we were talking about financial matters and he explained how this is a "family" benefit for service members. I was amazed that this benefit could be extended to me. My membership application went smoothly and I have never had to worry about any type of review because I am legitimately eligible.

NFCU is a great credit union. Our service members (and their families) deserve an organization like this. Our service members and their families sacrifice every day for our country (yes, even when they are not deployed). I understand that many people start drooling over the high card limits that NFCU can give and see it as a way to improve their credit situation, but that doesn't mean everyone is entitled to it.

There is a price to pay for the privilege of belonging to NFCU. I would gladly give up every one of my NFCU accounts if it would guarantee that my son would never face enemy fire again, could spend holidays with his family, and I didn't have to see the worry on his wife's face and hear the fear in her voice when she hasn't heard from him when she thought she would.

I will now get off my soapbox. By the way, OP, thanks for your service !

Re: am i the only one that gets pissed?

Duncanrr — Sun, 30 Dec 2012 15:20:01 GMT

I would agree with this post if there were other ways to join the military. Let me explain. I actually tried to join the Army right out of college. However, I have a chronic ear condition that makes me physically unable to serve. There is no way for me to join. Additionally, I have tried to secure civilian positions in US government that would had made me eligible to get into NFCU but those positions are next to impossible to get unless you have selective service preference or know someone.

There are countless programs only offered to ex-military that I never had the option to get regardless of my desire to serve. As a result, I ended up getting a roommate to take advantage of one of those programs, NFCU. My roommate is getting an excellent place to stay at a much lower than normal rent and is getting helped back on his feet financially. I see no problem in this.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:28:58 GMT

I find it odd that their admission criteria are far more strict than underwriting.

As a service-connected disabled veteran, with clean credit, I'm ineligible for membership. It occasionally grinds my gears when someone prances in the back door with a huge CL. That being said; those people are becoming members within the bank's guidelines, I don't actually have a right to be annoyed.

USAA has been great to me. I just feel they care a whole lot more about Vets.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:37:16 GMT

@Anonymous wrote:
I find it odd that their admission criteria are far more strict than underwriting.

As a service-connected disabled veteran, with clean credit, I'm ineligible for membership. It occasionally grinds my gears when someone prances in the back door with a huge CL. That being said; those people are becoming members within the bank's guidelines, I don't actually have a right to be annoyed.

USAA has been great to me. I just feel they care a whole lot more about Vets.

This is one thing that does bother me about NFCU. If you served at all I think you should be eligible. My son and I have had a few talks about this and he has talked to all of his buddies to make sure that they join before they are discharged. This way they have their membership even if they don't do anything with it right now. I wish NFCU would change this so anyone who was honorably discharged would be eligible to join.

My son says that NFCU doesn't seem to be on the radar for many soldiers - USAA seems to be the choice for many and they don't realize they can join both.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:50:16 GMT

@Anonymous wrote:
@Anonymous wrote:
I find it odd that their admission criteria are far more strict than underwriting.

As a service-connected disabled veteran, with clean credit, I'm ineligible for membership. It occasionally grinds my gears when someone prances in the back door with a huge CL. That being said; those people are becoming members within the bank's guidelines, I don't actually have a right to be annoyed.

USAA has been great to me. I just feel they care a whole lot more about Vets.
This is one thing that does bother me about NFCU. If you served at all I think you should be eligible. My son and I have had a few talks about this and he has talked to all of his buddies to make sure that they join before they are discharged. This way they have their membership even if they don't do anything with it right now. I wish NFCU would change this so anyone who was honorably discharged would be eligible to join.

My son says that NFCU doesn't seem to be on the radar for many soldiers - USAA seems to be the choice for many and they don't realize they can join both.

USAA tends to do a better job of staying on the radar. The customer service is also excellent.

I'm not throwing stones at anyone but it's pretty odd that NFCU doesn't even consider disabled vets eligible.

They have generous credit lines and great products! Anyone with a path to eligibility would be foolish to spend more money elsewhere.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:54:04 GMT

I did not know people actually try to squeeze themselves into a bank; let alone NFCU security monitoring the forums.

I had no clue vets could not join. I regret closing the account when my time was up and switching to Chase and USAA. Oh well.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:56:30 GMT

Im a grunt and a purple heart recipent. I have no problem with people getting through the back door. The one thing that I dislike about NFCU is there policy of not letting Vets in. Oh by the way the reason people in the Army dont sighn up for NFCU is there is no active advertising on bases for this credit union plus a young private sees navy and automatically walks the other direction. Old Sarge here always tells there soldiers to become a member of NFCU.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:57:37 GMT

@Anonymous wrote:
I did not know people actually try to squeeze themselves into a bank; let alone NFCU security monitoring the forums.

I had no clue vets could not join. I regret closing the account when my time was up and switching to Chase and USAA. Oh well.

You may still be eligible due to having had an account in the past.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:59:19 GMT

@Anonymous wrote:
Im a grunt and a purple heart recipent. I have no problem with people getting through the back door. The one thing that I dislike about NFCU is there policy of not letting Vets in. Oh by the way the reason people in the Army dont sighn up for NFCU is there is no active advertising on bases for this credit union plus a young private sees navy and automatically walks the other direction. Old Sarge here always tells there soldiers to become a member of NFCU.

We're definitely taught to avold Navy guys, LOL!

Thanks for your service, Sarge!

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 15:59:57 GMT

@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:02:52 GMT

@Anonymous wrote:
@Anonymous wrote:
I did not know people actually try to squeeze themselves into a bank; let alone NFCU security monitoring the forums.

I had no clue vets could not join. I regret closing the account when my time was up and switching to Chase and USAA. Oh well.
You may still be eligible due to having had an account in the past.

Well I'll be damned! I will definitely see to this matter and make it known if it works out for me.

From one Vet to another Vet or AD, thanks for serving.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:04:36 GMT

@Anonymous wrote:
@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.

It's the policy I take exception to, not people benefiting from it.

They'll take a roommate but not a disabled vet?! Really?!

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:10:43 GMT

@Anonymous wrote:
@Anonymous wrote:
@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.
It's the policy I take exception to, not people benefiting from it.

They'll take a roommate but not a disabled vet?! Really?!

I agree. Even though I benefit (legitimately) from NFCU's eligibility, I am bothered that vets (disabled and non-disabled) cannot be members if they did not obtain membership prior to discharge. Anyone who has honorably served our country should be eligible before anyone else. Maybe then the "roommate" qualification wouldn't bother me.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:10:46 GMT

@Anonymous wrote:
@Anonymous wrote:
@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.
It's the policy I take exception to, not people benefiting from it.

They'll take a roommate but not a disabled vet?! Really?!

Yes, my comment was to the OP. I agree about disabled vets, for a military-friendly org, that seems a very strange decision.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:14:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.
It's the policy I take exception to, not people benefiting from it.

They'll take a roommate but not a disabled vet?! Really?!

Yes, my comment was to the OP. I agree about disabled vets, for a military-friendly org, that seems a very strange decision.

I would think that if they have to expand to improve financial viability then extending their membership to honorably discharged vets would be more beneficial than extending to roommates. There are an awful lot of vets out there that I'm sure would be interested in joining if they had the opportunity.

Re: am i the only one that gets pissed?

Duncanrr — Sun, 30 Dec 2012 16:15:59 GMT

Y'all do realize that "roommate" was probably meant for an entirely different group of people than those, like myself, typically use it.

They probably use this wording so domestic partners could enjoy the same benefits as spouses.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:17:47 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@swpopham wrote:
. Your husband, dad, mom... did roommates should not qualify!!!

Obviously, NCFU disagrees with this! They might have had to expand to improve financial viability. It's in all members interest to have the CU as strong as it can be.

And, so long as you get the benefits you need from NFCU, why should you care that others do as well? I assume you joined the armed forces voluntarily knowing the risks and rewards, so saying "these should just be for me" seems a little off.
It's the policy I take exception to, not people benefiting from it.

They'll take a roommate but not a disabled vet?! Really?!

Yes, my comment was to the OP. I agree about disabled vets, for a military-friendly org, that seems a very strange decision.

They probably crunched some numbers and decided Vets were higher risk.

Re: am i the only one that gets pissed?

Anonymous — Sun, 30 Dec 2012 16:18:40 GMT

@Duncanrr wrote:
Y'all do realize that "roommate" was probably meant for an entirely different group of people than those, like myself, typically use it.

They probably use this wording so domestic partners could enjoy the same benefits as spouses.

Duncanrr - good point. Unfortunately (or fortunately for some) if that is the case the wording leaves a big loophole.