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Nfcu

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Established Member

Nfcu

So I got in with nfcu. Only started the basic membership savings. How active do you need to be with them to qualify for a card?
Message 1 of 9
8 REPLIES 8
Senior Contributor

Re: Nfcu

You can apply for a card same day. I did my card app on the same call as my membership and I only opened the basic savings with the $5 on that call. 

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Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 2 of 9
Community Leader
Super Contributor

Re: Nfcu

Not very. Navy cares more about your dti, income, and your internal score with them.
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Message 3 of 9
Established Member

Re: Nfcu

Yes I did. Denied. I will try again in 3/4 months but just wondered was there anything I needed to do in the meantime to make myself more attractive to them.
Message 4 of 9
Contributor

Re: Nfcu

You should be getting a letter in the mail citing the reasons for denial. If you care to share those data points, the community can give you some feedback.
Message 5 of 9
Established Member

Re: Nfcu

The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄
Message 6 of 9
Regular Contributor

Re: Nfcu


@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄

If you are going to pay for that collection, you better get it in writing that they will remove it from the bureau(s) before you pay it down. 

Michigan Schools & Gov't Credit Union Classic Visa Card | $1kDiscover Student Cash Back | $1700Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $2kBest Buy Store Card | $3k
Message 7 of 9
Established Member

Re: Nfcu

Yes indeed! I'm actually going to see if OC will recall and agree to delete. It's a cable company.
Message 8 of 9
Contributor

Re: Nfcu


@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄

68% utilization? Seems to be a touch high. Best to dress up your report a little before applying. If you're able, prime would be under 8.9 % aggregate and individual utilization.

Message 9 of 9
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