Got the denial letter yesterday. The only factors for the denial were the time with Navy Federal (I've been a member since 2018), not having direct deposit, and not being active duty.
I attempted to have them reconsider and they would not. They invited me to apply again and burn another TU inquiry for nothing. What a joke. This will probably be the last time I'll apply for anything from Navy Federal because the tone of the reply just really pissed me off honestly.
8/2/2026
EX8 787
EQ8 787
TU8 789
18 cards TCL $235,750 ACL $13,097
