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BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

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Super Contributor

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

Honestly you’ve got some pretty awesome cards, I wouldn’t even stress about not being able to get cards from NFCU or PenFed. Us rebuilders love NFCU for high limits at low scores but other than their Platinum card and for some the Flagship, they get outclassed by lots of other issuers. And PenFed... 👎 👎 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 11 of 17
Regular Contributor

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

Navy is notorious for never letting you back in. I burned them in a BK over 20 years ago and they still will not let me near them. Best way to check is to try to open an account with them and see if you get the crappy screen that says to call the number listed. If you get that screen you are locked out. If you manage to not get that screen and it lets you move forward then there is hope. Takes about 30 seconds and then you will know where you stand. As to PenFed I’m sure they are much the same.
Message 12 of 17

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)


@hawkins wrote:
Navy is notorious for never letting you back in. I burned them in a BK over 20 years ago and they still will not let me near them. Best way to check is to try to open an account with them and see if you get the crappy screen that says to call the number listed. If you get that screen you are locked out. If you manage to not get that screen and it lets you move forward then there is hope. Takes about 30 seconds and then you will know where you stand. As to PenFed I’m sure they are much the same.

Thank you very much

 

For anyone else, if you success go back RBS (present name Citizen Bank ) please post

 

Thank you 

 

 

EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 13 of 17
Contributor

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)


@FinStar wrote:

That appears to be a generalized statement for all CUs, no?  That actually isn't the case for a variety of them.  In general, regardless whether you make them whole or not, they typically do not re-establish those relationships.  Do you have an actual list for all CUs that do this?


I burned my local CU 9 years ago and they still won't let me in. I even offered to pay them back and they still want nothing to do with me.

Gardening since 8/19/19
Message 14 of 17
Established Contributor

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

NFCU is known for their hard line burn me once shame on you and me forever.

PenFed might think about it after a decade but probably similar to NFCU since they are military CU's.

RBS Citizens was called that because they were purchased by the Royal Bank of Scotland (RBS). Now they are independent so any results are a wash. Most likely Citizens Bank is your most forgiving lender but again they can be a hard ass. Do not expect entry but if they want to do business with you after 6-10 years you can at least ask. I know they are easy to start but super complicated once running. I have a card with them and the first time I tried to get a CLI after 6 months they said to take a hike. Had to wait over a year.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V(Milford Federal), US Bank Cash+ VS
Wishlist: Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 15 of 17

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

Thank you so much for your detail !
Thank you zerofire !
EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 16 of 17
Community Leader
Senior Contributor

Re: BURNED & FORGIVENESS (PenFed , NFCU , RBS Citizens)

I do vaguely recalll somewhere.. that a very few folks have gotten some headway with NFCU if they pay back the CU in FULL but if they even accept it.... it will take time..... regardless of it falling off.. they still remember.. and if i read your siggy right... Surprised with Cap One... they are usually pretty forgiving given time.... 

 

Good luck... 

-J

Message 17 of 17
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