NavyFed Membership Approval!

[SouthJamaica]

---

@AverageJoesCredit wrote:

---

@Guyatthebeach wrote:

---

@AverageJoesCredit wrote:

Hope you enjoy your experience with Navy Fed. All I can say is they seem to look out the for the big fish and little fish equally , me being the little fish lol. Coming from low income, they have been amazing to me allowing me to achieving 80k in credit limits and multiple credit allocations  when needed to suit my needs. Started off my journey with a $500 sl CR CC too No direct deposit no ssl no saving certificates just good old fashion taking care of my credit as needed Always a joy to speak to customer service and  nary a branch near me lol. Enjoy your experience

---

@AverageJoesCredit,

It's great to see you back! How have you been? Joined any new credit unions? Any new cards of interest?

Guyatthebeach

---

Thanks Guy. Still trucking along.  No new CUs as I actually closed 1 or 2 this past year. Still have my debt but it is getting lower as I go. Finally baught a new car recently as my first car has took me 20 years lol . Some things about credit still drive me crazy but being able to take out a car without dp or iv made me happy, new debt not so much lol. 

Problem I have in regards to new cc's is that as good as my credit and score are  I know my debt to income is holding me back so I really don't apply not wanting  to add hps for nothing unlike those great early myFico years. I had actually gone 2 years no amping which for me was insane. Recently decided to try for a Chase core card but took 2 hps for a denial. The experiment was not a success  so I'll continue to pay down my debt and in fact, to keep a little on topic for OP, will probably utilize Navy to move over debt until we see some better balance transfer offers. 

Sorry for derail OP but as you see Navy can be a great option when no one else may be available to help. Good to be back Go Navy!

---

Welcome back @AverageJoesCredit 

Great to see you here, as you are one of the finest citizens of this forum.

Much respect.

[AverageJoesCredit]

---

@SouthJamaica wrote:

---

@AverageJoesCredit wrote:

---

@Guyatthebeach wrote:

---

@AverageJoesCredit wrote:

Hope you enjoy your experience with Navy Fed. All I can say is they seem to look out the for the big fish and little fish equally , me being the little fish lol. Coming from low income, they have been amazing to me allowing me to achieving 80k in credit limits and multiple credit allocations  when needed to suit my needs. Started off my journey with a $500 sl CR CC too No direct deposit no ssl no saving certificates just good old fashion taking care of my credit as needed Always a joy to speak to customer service and  nary a branch near me lol. Enjoy your experience

---

@AverageJoesCredit,

It's great to see you back! How have you been? Joined any new credit unions? Any new cards of interest?

Guyatthebeach

---

Thanks Guy. Still trucking along.  No new CUs as I actually closed 1 or 2 this past year. Still have my debt but it is getting lower as I go. Finally baught a new car recently as my first car has took me 20 years lol . Some things about credit still drive me crazy but being able to take out a car without dp or iv made me happy, new debt not so much lol. 

Problem I have in regards to new cc's is that as good as my credit and score are  I know my debt to income is holding me back so I really don't apply not wanting  to add hps for nothing unlike those great early myFico years. I had actually gone 2 years no amping which for me was insane. Recently decided to try for a Chase core card but took 2 hps for a denial. The experiment was not a success  so I'll continue to pay down my debt and in fact, to keep a little on topic for OP, will probably utilize Navy to move over debt until we see some better balance transfer offers. 

Sorry for derail OP but as you see Navy can be a great option when no one else may be available to help. Good to be back Go Navy!

---

Welcome back @AverageJoesCredit 

Great to see you here, as you are one of the finest citizens of this forum.

Much respect.

---

Thank you @SouthJamaica  good to be back. Thanks for kind words. I'm glad to see you still around  and still helping out. Our era was a good one lol and I will always remember the 20 plus hps on the good old reports Thanks to the myFico effect lol. Those days are long gone but was interesting to say the least. Stay well my friend

[gingerflower]

@AverageJoesCredit 

Hello great to see you back! 

[AverageJoesCredit]

---

@gingerflower wrote:

@AverageJoesCredit 

Hello great to see you back! 

---

Thanks @gingerflower  great to be back