NFCU questions

[Anonymous]

Did you join the SD Navy League?

[empressj]

Hi, I haven't. I thought I needed to submit application with nfcu and would make donatation through them.....

[CreditExpressNJ]

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@empressj wrote:

Hi, I haven't. I thought I needed to submit application with nfcu and would make donatation through them.....

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Oh no .... visit http://www.navyleague.org you join through the website directly... They then will send you a welcome email that you can send to Navy FCU as membership verification.

[empressj]

Ok, I've joined. Got the automated confirmation.

[empressj]

Got it sorted. Thank you!

[CreditExpressNJ]

np

[empressj]

I received the details on my cap1 application decision: 

•based on your application information, there are too many past/or present Capital One obligations 

Of course this is incorrect. Me and hubs burned them, car loan $346.50 and 2 cc not totaling 2k. My DW burned them $300. I'm thinking a letter may clear this up and I might have a shot . Or should I wait. They also said my credit score was not impacted which I'd a good thing. 

[Helpmeraiseit]

Because you burned them in the BK that is considered a past obligation. I got that same message everytime I applied for six months straight after my bk was discharged. They wont pull your credit so you are good there.  6 months post discharge and i was instantly approved for 500. It takes Cap one some time but you will get back in with them. 

[Guyatthebeach]

Heltmeraiseit is 100% correct. I was denied when I applied after my bankruptcy. I did not get approved until after a year post bankruptcy.

Don't worry, There are other cards out there.

Hang in there it will get better.

[empressj]

Thanks! Y'day I went for it and submitted a recon request. Not sure what will come of it but the worst they can say is no, again. They said it may take up to 3 weeks for determination. He said most likely it won't and to call back for the answer sooner, like next week