Navy FCU blacklist?

[MrSmooth]

A couple years ago, I had a Navy FCU Visa with a 4700 CL. 

I ran into some financial trouble on a few cards. Even though I had always paid Navy FCU on time, they closed down my card (I didn't understand why at the time but I do now).

I paid off the entire balance within a couple weeks and my CR's reflect a zero balance.

Now that I'm in better shape, I attempted to reopen my account and possibly reapply for the card I once had, but I was declined up front.

Is this due to blacklisting? I know I'm good on Chex.  

[Remedios]

What reason did they give you for closing your checking and/or savings account? 

What was the reason for closing card, did you default on other lenders?

If you don't owe them money, I doubt you're truly blacklisted, most likely they need a bit more time to ensure your financial troubles are well past being over 

[GZG]

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@MrSmooth wrote:

A couple years ago, I had a Navy FCU Visa with a 4700 CL. 

I ran into some financial trouble on a few cards. Even though I had always paid Navy FCU on time, they closed down my card (I didn't understand why at the time but I do now).

I paid off the entire balance within a couple weeks and my CR's reflect a zero balance.

Now that I'm in better shape, I attempted to reopen my account and possibly reapply for the card I once had, but I was declined up front.

Is this due to blacklisting? I know I'm good on Chex.  

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do you have an active savings/membership with them now? 

or did you need to reapply for membership along with the new card?

when you get the letter, it should have the denial reason/internal score

[MrSmooth]

I apologize for any confusion; I'll clarify.

Navy FCU closed my Visa card (something about risk because some other card got charged off even though I had never been late with Navy FCU). I paid off the Visa quickly and was irritated enough with them closing it that I also closed out my checking and savings, both of which were also good (not that I had a mountain of cash but both were positive not negative balances ... Navy didn't get burned or have to eat anything)

So I was looking at rejoining the fold with an eye towards a possible new CC, but never got out of the gate. 

[pizzadude]

It sounds like you aren't blacklisted in the usual sense, as you didn't burn them for anything but it might be they flagged your profile in some other way ( fraud?? ) such that you can't rejoin, or at least it will take more time maybe.  How long ago did you close everything out at NFCU?

[MrSmooth]

It's been a couple years. 

I don't think there was any fraud involved but who knows anymore. And sometimes the online process can be wonky. I might just bite the bullet and call. 

[GZG]

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@MrSmooth wrote:

It's been a couple years. 

I don't think there was any fraud involved but who knows anymore. And sometimes the online process can be wonky. I might just bite the bullet and call. 

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you might have to go through like a process to be reviewed based on the way your visa was AA'd 

I would start just getting the savings account and membership reestablished and ensuring you haven't burned navy at all (unknowingly?) 

[MrSmooth]

Your suggestion makes sense.

Thank you 😊

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@GZG wrote:

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@MrSmooth wrote:

It's been a couple years. 

I don't think there was any fraud involved but who knows anymore. And sometimes the online process can be wonky. I might just bite the bullet and call. 

---

you might have to go through like a process to be reviewed based on the way your visa was AA'd 

I would start just getting the savings account and membership reestablished and ensuring you haven't burned navy at all (unknowingly?) 

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[MrSmooth]

I got busy the last few weeks but I finally called Navy FCU and I'm back in.

Thank you again everyone who offered wise counsel. 

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@MrSmooth wrote:

Your suggestion makes sense.

Thank you 😊

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@GZG wrote:

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@MrSmooth wrote:

It's been a couple years. 

I don't think there was any fraud involved but who knows anymore. And sometimes the online process can be wonky. I might just bite the bullet and call. 

---

you might have to go through like a process to be reviewed based on the way your visa was AA'd 

I would start just getting the savings account and membership reestablished and ensuring you haven't burned navy at all (unknowingly?) 

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[pizzadude]

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@MrSmooth wrote:

I got busy the last few weeks but I finally called Navy FCU and I'm back in.

Thank you again everyone who offered wise counsel. 

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@MrSmooth wrote:

Your suggestion makes sense.

Thank you 😊

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@GZG wrote:

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@MrSmooth wrote:

It's been a couple years. 

I don't think there was any fraud involved but who knows anymore. And sometimes the online process can be wonky. I might just bite the bullet and call. 

---

you might have to go through like a process to be reviewed based on the way your visa was AA'd 

I would start just getting the savings account and membership reestablished and ensuring you haven't burned navy at all (unknowingly?) 

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Congrats on getting back in with NFCU !