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Navy FCU Secured Denial

Established Contributor

Navy FCU Secured Denial

Anyone ever been denied a Navy FCU Secured CC...I?

Message 1 of 9

Re: Navy FCU Secured Denial

Probably not, heard one was closed for legal reasons (court snatched the deposit) but can't think of a denial posted here at any rate.
Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 697, TU 4 741, EX 2 735, EQ 8 729, TU 8 713, EX 8 732 (6/29/18)
Goal Score:    EQ 5 700, TU 4 700, EX 2 700, EQ 8 740, TU 8 720, EX 8 740 (01/01/19)

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Message 2 of 9
Frequent Contributor

Re: Navy FCU Secured Denial

I have never seen it in any posts either. Have you had any credit with them before that was unfavorable or anything?
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Message 3 of 9
Established Contributor

Re: Navy FCU Secured Denial

Never had a card with them, but my credit is pretty screwed, so I just need a good acount on there. I was denied a Cap 1 if NFCU denies me...I'll be in Chapter 7 land.

Message 4 of 9
Valued Contributor

Re: Navy FCU Secured Denial

I've never seen a denial. I had horrific collections and they gave me a chance but I didn't have a BK. Give it a shot you should be good to go
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 5 of 9
Established Contributor

Re: Navy FCU Secured Denial

I was at  494 and was approved, after being declined for cap one. Re-tried cap-one and was approved.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Message 6 of 9
Frequent Contributor

Re: Navy FCU Secured Denial

When I went into an NFCU branch last year to app for a secured card the person I sat with explained to me that NFCU would not deny a member a secured card because it was secured with your own money. Now I'll add to that in saying when you do apply, chances are if you have accounts with them that are in bad standing ie past due, unpaid, etc, then of course they're not just going to let you open a secured card because they would want you to take care of your past due balances with them first.


NFCU is a very lenient credit union. Once you do right by them, they'll take care of you. If you start messing up, they even try to work with you to get you back on track. I wished that I had tried them first for my secured card last year before wasting pulls with BOA, Cap1, and other places. They just unsecured my card a few weeks ago and gave me an increase so do try.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three

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Message 7 of 9
Established Contributor

Re: Navy FCU Secured Denial

Appreciated that answers everyone!


 jordanmedical..I have beyond horriffic collections.. so that's good to hear. How long after you received Navy's secured were you approved for Cap 1? I've been denied by them more than once.



Sweets... how long did they take to unsecure your card, if I may ask?

Message 8 of 9
Moderator Emeritus

Re: Navy FCU Secured Denial

+1   Have never heard of a secured card denial from NFCU.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 9