Navy FCU Federal Credit Union

GreenThumb553 · ‎05-09-2011

I FINALLY got into navy fcu. There was a computer glitch, but after waiting 3 weeks, they called me with my access number. How long does it take for the package to come? What was included in that?

Also, how long should I wait to apply for one of their credit cards? Any opinion on which one is more beneficial?

Thanks in advance!!

Brusilov · ‎05-09-2011

I joined back when they had a huge rush of new members so I think it took me close to 6 weeks to finally get my welcome package. I would guess probably 2-4 for you. From my own experience if you plan on banking with them exclusively wait to sign up for direct deposit and just establish a normal routine of activity for a couple months before applying for a card (they seem to love direct deposit...I got approved for NFCU cash rewards with around your score). Your welcome package includes some free checks if you signed up for a checking account and some info on all their products.

Brusilov · ‎05-09-2011

Oh and congrats on getting in. NFCU is a great credit union and their customer support has always been super helpful!

GreenThumb553 · ‎05-09-2011

Thank you for your reply!! If you don't mind, what was your CL?

Brusilov · ‎05-09-2011

$5000...I was pretty blown away considering the next highest limit card I had was my $1000 CL Secured Wells Fargo Platinum.

GreenThumb553 · ‎05-09-2011

Wow, that's great.

my personal income is $60k, and my household income is $155K. I'll set up direct deposit and wait for a little while. Thanks again!

GreenThumb553 · ‎05-09-2011

One more thing... (sorry)... Is it more advantageous to apply over the phone rather then online?

Brusilov · ‎05-09-2011

I don't know that it made any difference or not but I applied online and included a short note that I was working on rebuilding my credit and wanted to build a good relationship with NFCU. I haven't heard anything about it mattering whether you apply online or over the phone.

Anonymous · ‎05-09-2011

@sarahscott1561 wrote:
One more thing... (sorry)... Is it more advantageous to apply over the phone rather then online?
I would apply over the phone. On the phone they ask you additional questions which may help you with getting approved. For example, they will ask you if you have any balances reporting that have already been or will soon be paid. Also on the phone it is easier to find out if you have been instantly approved.

GreenThumb553 · ‎05-10-2011

Great, thank you for your feedback!