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[twono]

@ggmorning...why not try a local CU? I dont see anything that nfcu can do for you that a local cu cant.

You may be tjoroughly disappointed after you pay nfcu back and they continue to deny you credit products...or their policy changes to permanent blacklist status for those that burned them.

I wouldnt feel so great about paying back a certain lender....what about the other banks you burned? Why the prejudice?

Good luck, nonetheless

[Azuieldrago]

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@twono wrote:
@ggmorning...why not try a local CU? I dont see anything that nfcu can do for you that a local cu cant.

You may be tjoroughly disappointed after you pay nfcu back and they continue to deny you credit products...or their policy changes to permanent blacklist status for those that burned them.

I wouldnt feel so great about paying back a certain lender....what about the other banks you burned? Why the prejudice?

Good luck, nonetheless

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Navy Federal tends to be better at rates than local CUs. Why, Navy has a far bigger client base vs a local CU. If you pay them back, you are not blacklisted. Just a one yr reseasoning period which is acceptable. Its not about prejudice, sometimes it can be as simple as sticking with the devil you know. With atleast Navy Fed, you know you will be eventually allowed to get products again. That is a gain, that isnt an option with other places. USAA, automatic 5 yrs. wait time. Burned them or not. For the average person, getting NFCU again is a perk. Simple as that.

[twono]

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@Azuieldrago wrote:

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@twono wrote:
@ggmorning...why not try a local CU? I dont see anything that nfcu can do for you that a local cu cant.

You may be tjoroughly disappointed after you pay nfcu back and they continue to deny you credit products...or their policy changes to permanent blacklist status for those that burned them.

I wouldnt feel so great about paying back a certain lender....what about the other banks you burned? Why the prejudice?

Good luck, nonetheless

---

Navy Federal tends to be better at rates than local CUs. Why, Navy has a far bigger client base vs a local CU. If you pay them back, you are not blacklisted. Just a one yr reseasoning period which is acceptable. Its not about prejudice, sometimes it can be as simple as sticking with the devil you know. With atleast Navy Fed, you know you will be eventually allowed to get products again. That is a gain, that isnt an option with other places. USAA, automatic 5 yrs. wait time. Burned them or not. For the average person, getting NFCU again is a perk. Simple as that.

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Meh.....banks, cu's change their policies daily.  I wouldn't risk paying back thousands to a bank in hopes of getting let back in.  It's just not worth it IMO. 

And yes, I realize the potential of the big boy CU's.  I burned Navy for $37k + a repo....Penfed for about $34k.....DCU for about  $8k....Wings CU for about $14k....USAA (not a CU i know) for about $26k.....GECU for about $9k.....Alliant CU for about $12k....+ 30 other banks.

What 'used to be' doesn't mean what 'will be'.

Simple as that.

[Anonymous]

I burned them for about $33k, I doubt I’ll be able to repay that anytime soon. I do regret it because their rates were great and they gave out the credit with ease. I’ve yet to find another bank who will even lend me decent rates, and I am 2 years out of BK with around a 700 on all 3 reports.

My current bank is chase, and they legit won’t give me any form of credit at all. I feel everyone’s results will vary.

[Azuieldrago]

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@twono wrote:

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@Azuieldrago wrote:

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@twono wrote:
@ggmorning...why not try a local CU? I dont see anything that nfcu can do for you that a local cu cant.

You may be tjoroughly disappointed after you pay nfcu back and they continue to deny you credit products...or their policy changes to permanent blacklist status for those that burned them.

I wouldnt feel so great about paying back a certain lender....what about the other banks you burned? Why the prejudice?

Good luck, nonetheless

---

Navy Federal tends to be better at rates than local CUs. Why, Navy has a far bigger client base vs a local CU. If you pay them back, you are not blacklisted. Just a one yr reseasoning period which is acceptable. Its not about prejudice, sometimes it can be as simple as sticking with the devil you know. With atleast Navy Fed, you know you will be eventually allowed to get products again. That is a gain, that isnt an option with other places. USAA, automatic 5 yrs. wait time. Burned them or not. For the average person, getting NFCU again is a perk. Simple as that.

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Meh.....banks, cu's change their policies daily.  I wouldn't risk paying back thousands to a bank in hopes of getting let back in.  It's just not worth it IMO. 

And yes, I realize the potential of the big boy CU's.  I burned Navy for $37k + a repo....Penfed for about $34k.....DCU for about  $8k....Wings CU for about $14k....USAA (not a CU i know) for about $26k.....GECU for about $9k.....Alliant CU for about $12k....+ 30 other banks.

What 'used to be' doesn't mean what 'will be'.

Simple as that.

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And Navy Fed, seems to be pretty stable in that dept. Go back to prior posts across multiple yrs and peoples experiences with Navy Fed and voluntary payments all seem to be the same. Can they change their policies, sure. Any bank/CU can. If people want to pay them back, thats on us. If you have a beef on them for whatever reason, thats on you. Maybe someone wants to pay them back due to higher pay and their morality/ethics say they should despite it being charged off or discharged during a bankruptcy. No matter the reason, you just try to bring them down from trying to save a relationship with a creditor they enjoyed using. If they want to, let them. Its their call to do so. You may not be able to pay them back, but I only burned them for $3k. Easily done.