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NFCU Membership Approval

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Super Contributor

Re: NFCU Membership Approval


@recoveringfrombk7 wrote:
Thank you both so much for all of your help

Um, not a good idea to apply for NFCU cards before March, when the SUBs come back.

 

Right now, only offers are BT's.

 

I would hang tight for those nice SUBs.

Message 21 of 33
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Frequent Contributor

Re: NFCU Membership Approval

Not going to use the first card for more than a monthly subscription + SD, so I may as well start the clock on 91/3.





Message 22 of 33
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Super Contributor

Re: NFCU Membership Approval


@recoveringfrombk7 wrote:
Not going to use the first card for more than a monthly subscription + SD, so I may as well start the clock on 91/3.

Doing that is throwing away $150-250. Unless you can't hit the spend, it's free money. SUBs should be back 3/2 so barely over a month. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 23 of 33
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Established Contributor

Re: NFCU Membership Approval

Congratulations on your membership 👍




INQ's: EQ: 0 TU: 0 EX: 0 (last 12 mo.)
Recent Accounts: 1 (last 24 mo.)
Total CL: 14.95k Util. 0% AAoA: 2 yrs, 1 mo.
AoOA: 2 yrs, 6 mo. AoYA: 1 yr, 5 mo. 100% PIF.





Goal Cards:


myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 24 of 33
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Frequent Contributor

Re: NFCU Membership Approval

I'm in 10%/2% with Discover so it's splitting hairs. I want to get rolling on 91/3 to get the card I'd actually use. I also want to leave time (min 6mos, preferably 9+) before apping an auto loan and student loan refi.





Message 25 of 33
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Valued Contributor

Re: NFCU Membership Approval


@GrasshopperStudent wrote:

Welcome aboard to the Navy family!

 

As others have said, they probably won't care about savings balances, though if you want to build up some balance with them you can open their EasyStart certificate -- 12 months, $50 minimum, 3.50% APY -- which allows additional deposits at any time.


EasyStart requires you to move your direct deposit to them. The terms say "net direct deposit". I do not know it that means your entire dd or partial will work.

Message 26 of 33
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Frequent Contributor

Re: NFCU Membership Approval

They're getting it all. Not up to the micromanagement.





Message 27 of 33
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Valued Contributor

Re: NFCU Membership Approval


@Kenny wrote:
Honestly, they won't care too much about you moving money in weekly/monthly or not. If you aren't looking for products right now just sit on it and wait until you need to apply. You can then move everything over when you do want to apply for a car loan with them. They are excellent. I absolutely love NFCU. It's the best banking decision I've ever made.

All the data points says Navy cares about your internal score with them. I don't see how you would do that if you are not using the accounts. a.k.a putting money in, paying bills, etc.

Message 28 of 33
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Valued Contributor

Re: NFCU Membership Approval


@Saeren wrote:

@recoveringfrombk7 wrote:
Not going to use the first card for more than a monthly subscription + SD, so I may as well start the clock on 91/3.

Doing that is throwing away $150-250. Unless you can't hit the spend, it's free money. SUBs should be back 3/2 so barely over a month. 


When the SUB's come back do the balance transfer offers go away?

Message 29 of 33
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Super Contributor

Re: NFCU Membership Approval


@Morpho wrote:

@Saeren wrote:

@recoveringfrombk7 wrote:
Not going to use the first card for more than a monthly subscription + SD, so I may as well start the clock on 91/3.

Doing that is throwing away $150-250. Unless you can't hit the spend, it's free money. SUBs should be back 3/2 so barely over a month. 


When the SUB's come back do the balance transfer offers go away?


Usually on all except the Platinum, which doesn't get SUB anyhow. Platinum is geared to BT.

Message 30 of 33
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