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How forgiving is Navy Federal?

Regular Contributor

How forgiving is Navy Federal?

I served in the Navy 1993-2003 and opened a Navy Federal Account in 1994. Didnt really do a whole lot with it until 2012 when I gaot a 10k Visa Credit Card. I had employment trouble and had some lates including 120+. It was then that they closed my account. Now I am paying it off.


I will have it paid off in Feb 2018.


Did I screw myself or could I open a new CC with them... loans etc?

How forgiving are they?


I will call and ask them, but thought someone may know from first hand experience or have an educated guess.




Rebuilding - Starting Scores: EQ 584 | TU 580 | EX 580 (Oct. '17) --- Current FICO 8 Scores: EQ 651 | TU 664 | EX 650
$46,450 Limit

Message 1 of 3
Regular Contributor

Re: How forgiving is Navy Federal?

Try calling them. Have you applied for any other cards?
Message 2 of 3
Valued Contributor

Re: How forgiving is Navy Federal?

They are apparently fairly forgiving when they get all of the money that they are owed (PIF)

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 3 of 3
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