@_notoriousbg wrote:Hi All -
Quick question on building relationship with Navy Federal and good credit card practices. I currently have the CashRewards for $3,500. I've only had it for a month or so but have been using it like a debit card and charging a lot, and paying it right off the next day or 2.
However, when I pay it from my Navy Fed checking account, it looks to be merely a transfer. Does anyone know if the "relationship building" or "it looks better" in Navy Fed's eyes if you're doing the transfer from your checking account with them or paying it from another external bank?
Probably a dumb question now that I've typed it out but I really want to know other people's thoughts or experience with this.
Thanks!
It looks just like any other payment to them.
It doesn't matter, as long as they're getting paid. Building a relationship doesn't refer to where your payments are coming from. It refers to using them for more than just credit cards. If you get the checking/savings with them, get some direct deposit going, maybe get your auto or mortgage loan through them if applicable. That's what "relationship building" means.
Agree that it doesn't matter whether you're paying from an external account, just that you're paying them. 
NFCU is pretty good about giving nice CLs even if you don't have other loans / accounts, so don't worry too much about requesting CLIs in the future.
@AverageJoesCredit wrote:
@OmarGB9 wrote:It doesn't matter, as long as they're getting paid. Building a relationship doesn't refer to where your payments are coming from. It refers to using them for more than just credit cards. If you get the checking/savings with them, get some direct deposit going, maybe get your auto or mortgage loan through them if applicable. That's what "relationship building" means.
Imo, building a relationship doesn't mean one has to branch out with other things not credit card related to achieve that " relationship". Some people thing you need to have money flowing in a checking/savings or put their car/house needs in a lenders hands to get more "luv" when the most important part is actually using your account and making ontime payments. With Navy Federal, there are ample data points that cli will come through time, good management of one's account and many of us have $5 just sitting 8n checking. By just having any account with a lender you have a relationship, whether it goes well for you will depend on your finances, life situations, and credit profile.
Yea that's true. I mean it wouldn't hurt to expand and acquire other products with them though. But you're right, just responsibly managing an account is all that's needed. My main point was that it didn't matter where payments came from. 
@OmarGB9 wrote:
@AverageJoesCredit wrote:
@OmarGB9 wrote:It doesn't matter, as long as they're getting paid. Building a relationship doesn't refer to where your payments are coming from. It refers to using them for more than just credit cards. If you get the checking/savings with them, get some direct deposit going, maybe get your auto or mortgage loan through them if applicable. That's what "relationship building" means.
Imo, building a relationship doesn't mean one has to branch out with other things not credit card related to achieve that " relationship". Some people thing you need to have money flowing in a checking/savings or put their car/house needs in a lenders hands to get more "luv" when the most important part is actually using your account and making ontime payments. With Navy Federal, there are ample data points that cli will come through time, good management of one's account and many of us have $5 just sitting 8n checking. By just having any account with a lender you have a relationship, whether it goes well for you will depend on your finances, life situations, and credit profile.
Yea that's true. I mean it wouldn't hurt to expand and acquire other products with them though. But you're right, just responsibly managing an account is all that's needed. My main point was that it didn't matter where payments came from.
For sure a good point. Most important is that there is sufficient funds lol.