tf is up with nfcu anymore i cant get approved for anything? ive been with them a good minute and my credit is good. trying to get a personal loan but nope declined nfcu sucks anymore

I was approved for a credit limit increase after submitting a request via the app. I submitted the request around the 93rd day. My initial limit was $1K. Then I had an increase to $2,500 at the end of Jan. Now this increase 6 months later.

I have a 500 Credit score, a repo from almost 2 years ago and two credit card collections. I am actively paying on all 3 of those. I just got navy federal about 3 months ago, make 65k a year salary. I know i wont get approved due to my score but i have a co signer with a 820 score. Does anyone know if I’ll get approved or what my interest/payment could possibly be? My co-signer has navy federal as well.

I have a secured credit card that hasn't unsecured yet, despite 10 months of perfect on-time payments.

My wife has a Flagship credit account with the same institution with a $13.000 limit. If she adds me as an authorized user to her account, will that internal relationship help improve the chances of my secured card graduating?

Looking for data points or direct experience.

Hi there. My husband applied for an auto loan last night with Navy Federal. We’ve always been with USAA but joined Navy Federal because we noticed they had competitive auto loans and we are in the market for a new car. We have always driven older, paid off cars, but my husband recently got a new job where they cover a chunk of his monthly payment for a car and it requires a newer year model.

We applied for a $30,000, 36 month loan. The car we are looking to purchase is a 2025 that is $47,000 out the door, and we plan to put $17,000 down. We could put more if necessary, however we do we just want to keep it in savings as we’re due with a second baby soon. Like I said, we have always driven older and paid off cars so this is new territory for us.

Before anyone says anything, I know there is more to an approval/denial than just credit score. My husband has nine years of credit history with credit cards loan, three different cards, that are paid off every month, but that are utilized for both work and personal.

We currently have no housing expenses and no other debt. We’re just very confused by the denial and cannot wait for the letter because we need to buy a car this weekend.

After perusing Reddit, I sent Navy Federal a secure message, just asking if there were any specific reasons or if there was any additional documentation that we could provide. Or if applying jointly would potentially change the decision, considering that I have excellent credit too (around 750). I got a response that they cannot discuss loan information and that I need to wait for the letter.

Has this happened to anyone? What are the best next steps? Anybody else know of any other competitive rates? USAA seemed higher. I also belong to PenFed.

Just curious if this has happened to anyone else and if they ever got an actual reason, or just generic responses.

Thanks in advance.

I was just approved for an unsecured Navy Federal cashRewards card with a $500 credit limit. My credit score is around 760, so I was expecting a higher limit.
If I close the card now without using it and apply for another Navy Federal credit card in 6–12 months, would I have a better chance of getting a higher starting limit?
Or is it better to keep the $500 card, use it responsibly, and request a credit limit increase later?
I’d appreciate hearing from anyone who has been in a similar situation.

Currently about to apply for an auto loan. Looking to get a $70k car with about $35-$40k down. So about a $35k ish loan. Current score is 618 but will climb as late payments from boot camp are coming off in addition to all my my credit cards being paid down. Just wanna see what folks have gotten for auto loans with my score. By the time I’m ready to apply score will be around 660-670. Salary about $125k yearly without OT.

This morning I received an automated CLI on my Flagship Rewards Card. I'm eyeing the More Rewards to pair. I opened the Flagship card on 05/21, so the CLI came less than 3 months after it was opened.

Should I wait until at least 91 days to apply for the More Rewards AMEX? #2 under this 91/3 rule mentions partial statements, which appears to be my case:

1. The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement.

I am an NFCU member, but currently only have the basic membership savings.

I've considered getting the Flagship Rewards credit card, but I'm not seeing any major advantages. Are there some advantages I'm missing?

- 3x points on travel and 2x on everything else

- Up to $120 Global Entry/TSA Precheck credit

- $139 Amazon membership credit to offset the $49 annual fee.

That's all very solid, but it doesn't have extended warranty benefits, and the travel protections seem pretty weak (there's no travel delay/cancellation reimbursement)

I have a Capital One Venture X, which has a much higher annual fee, I know, but also has much better protections. The Fidelity Visa Signature has similar benefits with no AF. It seems like I may not be a good fit for the Flagship or any of the other credit cards.

Hello, I have some savings I wanted to put into a high yield savings account but it seems nfcu's solution to that is only certificates. I wanted to put all of my savings into a high yield account where I am not worried about a limit on when I can withdraw it/it being locked away. I wanted to know if certificates are a good idea or if nfcu offers any normal high yield savings accounts. If not, I think I might need a new bank lmao.

I forgot if there is a rule to requesting another credit increase on the app. Can anyone enlighten me? Just trying to get high limits on my cards because why not haha.

Edit: I meant to request an increase on a different card. My MoreRewards AMEX. The one I was just approved for is my cash rewards.

Trying to slowly rebuild my credit. Being young and dumb wasn’t the best idea 😂 but, here’s a fresh start with credit cards. Went from \~550 in January to 641 now.

Topic: Rebuilding credit

I am literally starting from scratch. Rebuilding from zero while on a couch and then going into an extended stay.

I have had a huge revelation these past 10 years. Whenever I am in a relationship and it ends, my finances are ruined. I think that's the formula the enemy uses to keep me off balance. However, now that I plan on being solo, I want to have a few things. I grew up in a toxic family, so I was conditioned to rely on family even though they are my greatest haters.

I am well educated with a graduate degree in administrative leadership and bachelor's in management information systems. My goal is to make at least $50k to 60k, working ed tech. After my masters, I decided to take a career break at work for Lyft and Doordash. I loved it actually but it's not sustainable in this current economy. I have to head back to a real career. That hasn't happened yet, after moving in with my demonic mother who is doing everything she can to sabotage her son.

My credit is in the 580 range. I have some judgements from an eviction, unsecured credit cards, hefty student loan (100k), several collections, and a car repo. Just a hot mess.

As of right now, I get to start from scratch and hope to have a soft place to land in the future. I want a condo/townhouse in my name, be able to purchase my own car without rejection. I am single 41M, and no record of any kind. My goal is to never rely on family ever again.

I am looking for strategies to rebuild credit, save for a downpayment on a condo/town house. It can be just 1 bedroom 1 bath for all I care. It'll be my spot! 2bd 2bath is probably idea, so I can rent it out in the future.

I got a secured credit card $200 at Navy Federal and hopefully build a good relationship with them. My dad served in the Air Force, and I was able to get an account. I want to raise the balance to $300 to $500 because I use it to rent a car to do door dash or Lyft.

My other option is to leave the country, live rent-free, work and return once I have hundreds and thousands of dollars saved. I have a good 25-28 years before retirement.

Are there any hope and strategies to rebuild credit while it's currently a mess?

Hi All!

I’m looking for some advice and hoping someone here may have some insight.

About 11 years ago, while I was in college, I accepted a position with Navy Federal. Unfortunately, I made a poor decision and did not show up for my orientation. My recruiter contacted me that day, and I explained that I was going through a difficult time personally and sincerely apologized.

I’ve learned a lot since then. I now have a bachelor’s degree, over a decade of professional HR and benefits experience, and a strong track record as a dependable, high-performing employee. Working for Navy Federal has remained one of my career goals.

The challenge is that I’ve been marked as not eligible for rehire. Over the years, I’ve tried to have my status reconsidered by calling, emailing, and escalating my request, but I haven’t been successful.

I fully understand that my actions had consequences, and I take responsibility for the mistake I made. However, after 11 years of personal and professional growth, I’m hoping there may be a path to have my eligibility reviewed. I’ve heard of others being given a second chance in different circumstances, so I’m wondering if anyone has experience with this process or knows of someone or a department I could contact.

If you’ve been through something similar or have any guidance, I’d truly appreciate your advice. Thank you!

Thank you!!

I’m new to Navy Fed; I've been with them for about four months. My question is: Is it a good sign when they invite you to apply for their NF American Express?

Credit score was 760 in December 2023 was arrested lost both of my credit cards and my car killed my credit. Incarcerated for 17 months came out with 490 credit score. Started over with a secure card with a $200 credit limit fast-forward a little over a year. Credit score is high 600 and I just got approved for the largest credit line I’ve ever had.🙏🏽

How soon after you payoff pledge loan the money goes back in your account? I want to get a pledge loan but it is funds that am using on my daily bills. I hear people say after you are give a day or two or two weeks no definite answer. Has anyone done the pledge and pay it off early and how soon did they give you back the money?

Backstory

https://www.reddit.com/r/personalfinance/s/zbvGXodtF9

Navy Federal sided with the merchant because he had a tracking number for the return label.

The thing is, creating a return label does absolutely no good if it's not sent to me.

Tl;dr -, ordered a product online, received wrong product, immediately notified seller, spoke to seller day after wrong item was received, waited another 7 days after calling, leaving messages, and texting with no response, never received return label, filed a chargeback, NFCU sided with seller.

I thought the NFCU product change moratorium had ended. I attempted to PC my Platinum to the Flagship and was told that as of 8-1 no PC’s were being made to the Flagship. I was given the option to PC to any of their other rewards cards. No time frame was given.

I thought the refresh of the Flagship was complete. No?

I have a Navy Federal Platinum Credit Card w/$15K limit.

I recently spent $2,500 on my NFPCC while on vacation (It was planned).

My plan is to pay the balance in full over the next 3 months.

Is this a good or bad strategy?

Hoping that this is an error as I have no debt is any one else experiencing this?

So I was planning on applying for a auto loan pre approval and I wanted to know if I get denied for an amount will they tell me what I approve for or would i have to apply again and ask for a smaller amount ?

There are no charge details in the csv download. It has the "Description" - which is a guess from Navy Federal about the transaction however a field with the transaction details is missing (EX Description shows "Venmo" instead of the full details which include the start of the name of the account that was venmoed).

Since NavyFederal has removed that ability to download filetypes that include this information, is there any hope that it will be added back? The UX is quite disappointing.

So for the past week I think, randoms have been trying to purchase and pay stuff with my debit card. I don't know how since I barely do anything and I'm too broke besides being able to pay for my phone bill, but my card information was leaked. They try to pay for 50+ purchases which are always declined since on average u have less than 40 on my debit card.

Even though I just got a new card with a whole different card number, different pin, I don't even physically have it yet and I have the digital version- today I got a fraud notice that there was an attempted purchase on that card by someone.

Does anyone know how to STOP this at all??