NFCU Advice for applying for Membership/Products

[Anonymous]

Hello!!,

I've lurked for a while and have had such amazing results from advice given here. I decided to finally post to see if my next step is feasible.

I want to join NFCU. My uncle is in the Army and I'm going to see if he will join and then I can get in that way. If not then I want to go through the seemingly convoluted SDNL way.

Has anyone had experiences with issues arising from joining this way. If I have to I want to do it correctly so my account doesn't get shut down. Any advise to prevent that from happening?

My next question is if I am able to join would I qualify for any of the products?

Here is where I'm at...

Auto Loan - 18900
Capital One Quicksilver (Pc'd from Platinum) 500
Chase Amazon Prime 500
Wells fargo College Card 1000
Wal-Mart Store Card 6000 (SL 900)
Amazon Store Card 5000 (SL 700)
Victoria Secret (SCT) 750
Wayfair (SCT) 1300
AMEX BCE 2000
AMEX ED 500
PayPal 1500 (Hidden TL)

Inquires Ex - 8, TU 8 Eq 9

Scores Ex- 690 (AMEX Site/Ex App) / TU- 710 (Amazon Sync) 698 (Credit Karma /EQ - 686 (Credit Karma) I know Fako scores but all kind of in the same realm.

Utilization @ 14% Currently (Will be lower once AMEX cards/Wells fargo are added)

Income - 44,500$

AAOA - Currently 6 months?? Neither AMEX or Wells fargo have hit my credit report yet all new cards. Will lower my AAOA but I don't know when.

I'm new to credit. My parents co-signed to get my auto loan in Nov of 15 after I turned 19. It was the only thing I had until this January when I applied to C1 from a mailer. Then app'd for both Amazon cards for the 130$ in gift card bonus. Then others all in January. Hadn't app'd for anything until last week AMEX Everyday 500 and then Wells Fargo 1000. Just today app'd for BCE SL 2000.

Heard I should app for charge card today as well so it's only 1 HP but I'll make a different topic for that.

With all that in mind do you think I'd be able to get a product from NFCU?

I'm not planning to spend a lot of money so any SL would do but I see how nicely there products grow and I'd like to have a really nice credit profile in the future. After NFCU if it's advised to go forward and apply I will promptly enter the garden until Feb. 2019 when my inquires all drop off....

With the exception I'm going to try the AMEX 3x CLI and C1 CLI before Steps increase in Aug. (Denied once for too many inquires so doubtful but SP so I'm going to try)

Thank you in advance for any help and sorry if this is super long!

[CreditInspired]

---

@Anonymous wrote:
Hello!!,

I've lurked for a while and have had such amazing results from advice given here. I decided to finally post to see if my next step is feasible.

I want to join NFCU. My uncle is in the Army and I'm going to see if he will join and then I can get in that way. If not then I want to go through the seemingly convoluted SDNL way.

Has anyone had experiences with issues arising from joining this way. If I have to I want to do it correctly so my account doesn't get shut down. Any advise to prevent that from happening?

My next question is if I am able to join would I qualify for any of the products?

Here is where I'm at...

Auto Loan - 18900
Capital One Quicksilver (Pc'd from Platinum) 500
Chase Amazon Prime 500
Wells fargo College Card 1000
Wal-Mart Store Card 6000 (SL 900)
Amazon Store Card 5000 (SL 700)
Victoria Secret (SCT) 750
Wayfair (SCT) 1300
AMEX BCE 2000
AMEX ED 500
PayPal 1500 (Hidden TL)

Inquires Ex - 8, TU 8 Eq 9

Scores Ex- 690 (AMEX Site/Ex App) / TU- 710 (Amazon Sync) 698 (Credit Karma /EQ - 686 (Credit Karma) I know Fako scores but all kind of in the same realm.

@Anonymous @ 14% Currently (Will be lower once AMEX cards/Wells fargo are added)

Income - 44,500$

AAOA - Currently 6 months?? Neither AMEX or Wells fargo have hit my credit report yet all new cards. Will lower my AAOA but I don't know when.

I'm new to credit. My parents co-signed to get my auto loan in Nov of 15 after I turned 19. It was the only thing I had until this January when I applied to C1 from a mailer. Then app'd for both Amazon cards for the 130$ in gift card bonus. Then others all in January. Hadn't app'd for anything until last week AMEX Everyday 500 and then Wells Fargo 1000. Just today app'd for BCE SL 2000.

Heard I should app for charge card today as well so it's only 1 HP but I'll make a different topic for that.

With all that in mind do you think I'd be able to get a product from NFCU?

I'm not planning to spend a lot of money so any SL would do but I see how nicely there products grow and I'd like to have a really nice credit profile in the future. After NFCU if it's advised to go forward and apply I will promptly enter the garden until Feb. 2019 when my inquires all drop off....

With the exception I'm going to try the AMEX 3x CLI and C1 CLI before Steps increase in Aug. (Denied once for too many inquires so doubtful but SP so I'm going to try)

Thank you in advance for any help and sorry if this is super long!

---

WHOA! Slow down on applying, especially since your AAoA is only 6 months! IMHO, you should think about going to the garden now. I just read from another post where the doors have slam shut on getting into NFCU through SDNL. So joining through your uncle who is in the military is your best shot. You have some decent cards already, so it's time to nurture them and let them grow.

[Anonymous]

Hi welcome to the forums. Just so you know the uncle/aunt-niece/nephew relationship is not considered family for purposes of signing up. At least it wasn't 2 months ago when I joined. My nephew is active duty Marine and was willing to sponsor me but I had to use the backdoor instead. Unfortunately, it looks like that door closed earlier today.

You might want to investigate the relationships that are accepted on the NFCU site before going any further.

Even if they don't work out for you, I am sure you will find what you need here to reach your goals.

[nolamike]

SugarPixie,

According to the NFCU website

https://www.navyfederal.org/life-money/managing-your-money/articles/savings/are-you-eligible-to-join...

Eligibility for family members:

All in the Family

If you have an immediate family member who has joined or one who’s eligible to join, you can become a Navy Federal member. Immediate family members include grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members. Household members are defined as those who share your address and pay a major utility bill.

In the application process, family and household members are referred to as "sponsors" (the person through whom you're eligible for membership).

Your uncle would have to have you as or say you are a household member and as a college teenager a major bill would probably not be needed but he needs to check as you would not want his accounts frozen .

as for the other poster saying that the NLSD path is closed, I would be skeptical as that path exists due to a contractual entry on a Federallly Approved Merger agreement. It is possible, but I would contact NFCU and ask the CSR straight out. If they act or sound like they don't know who Navy League San Diego is, thank them and call back until you get one that knows who they are, I have found that some newer ones don't know a thing about them but do know who is BEA.

If nothing else works, joining Navy League gets you access to PenFed which is almost as good as NFCU.

[Anonymous]

You guys ROCK! Thank you so much for your responses. My thinking was to app a ton so all accounts would age together.

I think it might be best to head to the garden now especially if Penfed is able to be joined via Navy league in the future with no hassle. Havent read much on Penfed but it seemed nice too. At this point even if I could join through my Uncle I wouldn't want to jeopardize any accounts of his because of it.

[Anonymous]

PenFed is another great CU, and Navy League would make you eligible for it as well.
Using your uncle to get in with Navy though wouldn't have any effect on his accounts if they shut yours down. You'd use him for membership, but not to co-sign for anything

[nolamike]

Tigers09

I know 2 NFCU members who did not tell the truth about the relationship/living arrangement with people they sponsored and their accounts were frozen and one lost membership.

You have to fit one of the criteria as listed in the above post. You cannot live in peoria and say your address is with your uncle in omaha if it is not provable.

[Anonymous]

I love the idea of NFCU but I didn't know the about the relationship portion being complicated. I've looked up Penfed and it looks pretty good too. I'll go the Penfed route but in the future I don't want to jump in when I can wait and get something better to begin with down the road.

[rmduhon]

Your uncle can sponsor one of your parents and they can then sponsor you. I don't know if this is an option for you.

[Anonymous]

I didn't even think of that!! 😃 Thanks that would be an option. I'll talk to my uncle and dad about it and see what they say. Still will wait to apply but that would be my way in because I wouldn't have to worry about not meeting criteria.