Paying back NAVY????

[pizza1]

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@TekkenQQ7 wrote:
My balance with NAVY a little over 2000 iib. What are my chances of getting a CC after paying them back. I just opened a checking account thinking to transfer my direct deposit over, do you think that will increase my chances?.
I have a savings account with PenFen as well and waiting my cards to age for a while so I can apply for there CC. I am not sure if I am lucky but bankruptcy is not showing on EQ.

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You will still have to jump thru hoops even IF and AFTER you pay them back. It will still be very hard to  obtain any credit from them even after that. 

[TekkenQQ7]

I may just give up for now, and if I have the payback money available in the future I may still do it. But as of now i will delete them from my list.

[Anonymous]

I’ve never dealt with Navy Federal, but there’s lots of banks out there that cater to military, so don’t consider it a complete loss if they don’t give you any credit.

[TekkenQQ7]

Thanks for the words of wisdom.

[Anonymous]

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@Anonymous wrote:
I’m discharging about $18k in credit card debt with USAA. If you didn’t discharge anything with them, they’re generally BK friendly. If you did, they won’t let you open any new accounts with them in any form for seven years.

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Who? USAA? Not true. I included them and was just discharged last Friday. I have been with them since 1986 and just yesterday since not using my checking account with them in quite a long time, they reactivated it and I opened a savings account. Absolutely zero issues.

[TekkenQQ7]

@StartingOver2018, first congratulations on you discharge, but I think @jjb0894 is referring to new CC accounts.

[Anonymous]

I should’ve been more clear.
I meant any lines of credit, including credit cards.

[pizza1]

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@Anonymous wrote:

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@Anonymous wrote:
I’m discharging about $18k in credit card debt with USAA. If you didn’t discharge anything with them, they’re generally BK friendly. If you did, they won’t let you open any new accounts with them in any form for seven years.

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Who? USAA? Not true. I included them and was just discharged last Friday. I have been with them since 1986 and just yesterday since not using my checking account with them in quite a long time, they reactivated it and I opened a savings account. Absolutely zero issues.

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@Anonymous, They are referring to credit, not banking.  They will re-open banking accouonts, but if you IIB USAA, they WILL NOT give you any credit again unsecured for 7 years from DC date. 

[AverageJoesCredit]

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@Anonymous wrote:
I would call them, talk to someone in their Bankruptcy department and ask them.
I would probably go as far as to say they don’t really care about $2,000 and probably don’t feel particularly comfortable loaning to you again unless you’ve really built up your score since your discharge.
Wouldn’t hurt to call and ask but I doubt it.

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Navy will care about $2000 .You could build up to an 850 a credit score and it would make no difference as to their decision to lend one credit. Burning a bank in bk is bad, doing so with Navy is much harder to reconcile. 

[TekkenQQ7]

Final verdict: NAVY is out of my plan for a long time. I don't think I have the power to chase ghosts.