Denied Navyfcu CC

[Anonymous]

Only 40% of my income came from my job, the rest from a variety of other things. Ebay, Craigslist, etc.

[Anonymous]

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@Anonymous wrote:

Only 40% of my income came from my job, the rest from a variety of other things. Ebay, Craigslist, etc.

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Hmm. I hope it works out for you.  Keep us informed and good luck

[Anonymous]

Thank you, either way if it doesn't my tax return information will be available later on in the year and I can utiilize that for a more probable approval.

[Anonymous]

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@Anonymous wrote:

Thank you, either way if it doesn't my tax return information will be available later on in teh year and I can utiilize that for a more probable approval.

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That's true.  I know you're anxious to get the card but if not now it will come later

[Creditaddict]

it will be interesting because navy has never accepted bank statements in the past for income verification, always had to be paystubs or taxes

[Anonymous]

I never had access to paystubs since all of my checks were direct deposit, and were only accessible by request. This seems incredibly overly complicated. If I'm denied the recon due to lack of paystubs or tax information, I'll just claim the amount I listed as my income and I'll give them form 4506-T and it will be identical.

[Anonymous]

In my experience just this month I received 3 credit union cc's Navy being one of them and 2 out of the 3 asked for tax returns. You can use your tax return from last year they should know not may people have a 2014 return yet. Do you have one for 2013?

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@Anonymous wrote:

I never had access to paystubs since all of my checks were direct deposit, and were only accessible by request. This seems incredibly overly complicated. If I'm denied the recon due to lack of paystubs or tax information, I'll just claim the amount I listed as my income and I'll give them form 4506-T and it will be identical.

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[Anonymous]

Nope. I only started to earn taxable income in 2014, so no prior tax information.

[Anonymous]

They said I was denied, they still haven't given me a reason as to why, not online or in a denial letter. They said I was preapproved for a secured card with a 500 dollar limit. Nope.

[Creditaddict]

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@Anonymous wrote:

They said I was denied, they still haven't given me a reason as to why, not online or in a denial letter. They said I was preapproved for a secured card with a 500 dollar limit. Nope.

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not correct income verificaiton... navy does not take bank statements, only taxes or paystubs... they can be a real pain in that sense.