@Guyatthebeach wrote:
Well, here's my update:
I was approved for membership! I opened checking and savings accounts. I was approved for $500 NavCheck, and $14,2000 cash rewards card!!!! I was speechless about the credit card! I'm definitely going to treat them right!!!!
Thank you to everyone, especially YoureWelcom, but for this post!!!!
Life's a beach!
Guyatthebeach
Here is a more detailed account of what I did to join NFCU today.
I know it's human nature to want instant immediate gradification, so doing the app in the branch will get you the quickest response.
Last night I joined the Navy League, San Diego chapter. I printed the welcome email showing I was in the San Diego chapter. I also printed the screen from CapitalOne showing the charge.
I started to do the online application to join but got stuck at the point to enter the association info. Then I couldn't the darn app to print correctly. When I called NFCU's customer service, the young lady said do it in the branch, which is about 50 miles away. The Navy League-San Diego chapter is one of a few associations that civilians and vets can use to join. She also recommended taking my SSN card, 2 legal ID's, a recent utility bill, 2 recent pay stubs, and cash to fund the account. The rep also said to let the branch scan a copy of the email showing I'm a member of the San Diego chapter of the Navy League. By talking to this rep, she knew all about the Navy League and if you bring everything to the branch to makes the verification go much smoother. She also forewarned me that it could take a few hours of waiting at the branch and the security dept may not approve a thing until next week.
I got to the NFCU branch at 11:40. I signed in and grabbed a chair as the place was packed. At 12:30, it was my turn. I showed her the email, pointed to where it indicated I joined the SD chapter of the Navy League. She had to call their help desk to get the right override code and made a bunch of detailed notes in the initial process of the application. I answered all the verification questions she asked and all my info matched up. She didn't ask for the utility bill or my pay stubs. I opened a totally free checking and savings account. After she got the cash deposited, she set up my online banking and mobile banking. They pulled both TU and EQ during this part of the enrollment. I got emails from the credit people saying my credit was being pulled. She then got the info for my direct deposit and my debit card.
With the checking and saving accounts out of the way. she took the info for NavCheck application. I only wanted $500 because I only write 3 checks a month and I don't want a line of credit that big tied to a checking account. I had to file Ch 7 bankruptcy in 2011 and I have become very sensitive when it comes to credit. I was approved for $500. We then reviewed the credit cards. I applied for the cash rewards card as it makes more sense for me. She was promtped to call in after she entered the app. After waiting for 15 minutes, I was approved for $14,200 at 12.9%. That's not the best rate, but Im not arguing at all. I was floored I didn't have to do any recon on the credit card. They asked her a few questions about what she entered, and it was a done deal. I'm glad to have a high limit. I was only expecting like $1000 or $2500. So the long wait was definitely worth it. We went over the credit card info. NFCU also pulled both TU and EQ again. They then pulled EQ again. I was warned they pull for each app. The nice lady that helped me said I was the first one all day to get approved for everything I applied for. She also told me lately noone has been getting the lowest rate on credit cards, so I think I came out great today!!!
I picked up some deposit enevelopes and tested my debit at the ATM and left at 1:33.
I personally think going to the branch if possibly is the best way to go. You should get a approval if you do a little prep work. I know the person before me was not approved right then because the security department had to do some verification. I hope everyone tries to join and gets approved for NFCU. I will let you all know if anything changes.
I'm so glad to be part of this forum and I truly appreciate YoureWelecome for posting the info.
Life's a beach!
Guyatthebeach
