Most people say they never ask, some say they might. They asked me if I had proof (yes), and said they don't need it now, but I should keep it in case they ever do ask for it.
@AverageJoesCredit wrote:
@recoveringfrombk7 wrote:@Gmood1 thanks! Made a bunch of wasted inquiries before I found this place, and have a lot of cancelled useless cards as a result, but hey I've learned a lot since!
I made a bunch of wasted inquiries before , during, and after
. Im the poor mans @Gmood1 🤪
I wish I was a rich mans Gmood1!😂😂
You guys talk as though inqs are permanent.😆
They'll fade like anything else on your reports.
Don't be afraid to use them in order to get something you need or even want. Ya can't take this credit to the grave with ya. Use the crap out of it!
And use it to YOUR advantage.😉
@Gmood1 wrote:
@AverageJoesCredit wrote:
@recoveringfrombk7 wrote:@Gmood1 thanks! Made a bunch of wasted inquiries before I found this place, and have a lot of cancelled useless cards as a result, but hey I've learned a lot since!
I made a bunch of wasted inquiries before , during, and after
I wish I was a rich mans Gmood1!😂😂
You guys talk as though inqs are permanent.😆
They'll fade like anything else on your reports.
Don't be afraid to use them in order to get something you need or even want. Ya can't take this credit to the grave with ya. Use the crap out of it!
And use it to YOUR advantage.😉
Just not really anything else I can get that I want before AMEX opens up. Burned pretty much everyone in the BK minus credit unions, disco, and AMEX.
@Anonymous wrote:Actually-- that brings up another question I have. I'm on AmEx's blacklist. Does that only apply to AmEx issued cards, or would NFCU be off limits, as well?
You all have no idea how happy I am to have much of the last 8 years behind me...with a fresh, albeit well-earned- cleanish slate ahead. 🙂
NFCU AMEX just uses the AMEX network, it is not an AMEX product.
@recoveringfrombk7 wrote:
@Gmood1 wrote:
@AverageJoesCredit wrote:
@recoveringfrombk7 wrote:@Gmood1 thanks! Made a bunch of wasted inquiries before I found this place, and have a lot of cancelled useless cards as a result, but hey I've learned a lot since!
I made a bunch of wasted inquiries before , during, and after
I wish I was a rich mans Gmood1!😂😂
You guys talk as though inqs are permanent.😆
They'll fade like anything else on your reports.
Don't be afraid to use them in order to get something you need or even want. Ya can't take this credit to the grave with ya. Use the crap out of it!
And use it to YOUR advantage.😉
Just not really anything else I can get that I want before AMEX opens up. Burned pretty much everyone in the BK minus credit unions, disco, and AMEX.
I understand,
I've had BK, Repo, Foreclosure, you name it. I've burned several lenders as well.
You may not see it now. But nothing in the credit world good or bad is permanent.
Those burns will fade away.
A UW can look at my CRs now and wouldn't know I've destroyed my credit file 3 times over the years.
What all that taught me was to be ruthless in protecting my credit now and also not allow my fears of denials stop me from getting something I want.
I've pounded my CRs the last 5 years. Scores lower than yours when I started. Even with my credit seeking antics. My scores have still continued climbing. And file has gotten much thicker.
Nothing is absolute. As long as you pay your bills on time. Your scores will continue to rise.
I applied for my Platinum card same day as membership approval. Which put me closer to my second NFCU card, which is the one I really want, a larger limit good for a 12 month BT. I've made Navy my secondary FI. Go for it, they love relationships built on trust, the faster you can build it, the better it will grow.
I'm never a good influence, I've only had a bronze spade one time
@Anonymous wrote:Hi there!
This is my first post in this forum. In the last three months, I've app'd for and opened several new credit card accounts after a rebuild and having not applied for anything but a Target card (denied last year -- August 2019, I was at 585). After the approvals I received, I decided to garden to wait for some of these inquiries to drop off. For the sake of this post, and NFCU, keep in mind that my TU FICO 8 is 725 and I have 7 inquiries on there. The Target card inq will be a year old in July.
I decided to be proactive and open a NFCU account today in the hopes that I will be approved for a card in the future, as well as a possible auto refinance loan (two years ago, when my scores were around 560, someone hit me/totalled my car and I had to get transportation 13.49% EEK). While asking me questions, the CSR asked me point blank if I'd be interested in any other products. I wasn't sure if I should say no, as my idea was to garden -- or to say "yes" because I do want them to know I'm interested in other things going forward.
I uploaded proof of address and such and am waiting for approval.
I guess my question is this -- if they come back and tell me I'm preapproved for a card, should I just go ahead and do it and THEN garden? I've been gardening for like three days.
Or should I wait, not take them up on any preapproval offers, and then do it in the future? Everyone speaks so highly of NFCU that I'd like to build a good relationship with them going forward -- especially for the prospect of perhaps refinancing my auto loan.
Thanks for your input!
Welcome to the Navy family
@Anonymous wrote:They asked me how I qualified over the phone (my dad, now deceased, was in the AF), but they didn't ask for any proof. Will I need to upload that info later, or do they not even bother to check?
They'll check public records, if they don't find anything they'll request a copy of your dad's DD-214.
@joshuamiller9 wrote:NFCU denied my application although I had access number from another member.
Does anyone have any experience with this?
You need more than an access number from another member, they're not accepting applications through what I assume is a referral if you either don't live with that person or aren't directly related to someone who has military ties if you don't have any of your own.