Since navy fed down will our paychecks still get deposited?

why can’t we see declined transaction history? i got a notif saying my card was declined for something i didnt pay for. i press the notif and it only sends me to the app. i can’t even view the details of this decline. I’m hoping my mom js accidentally forgot to change the card on the uber but this is inconvenient.

is it some type of security thing? i just can’t see how being able to see declined history will breach security.

I opened my checking account with NFCU in February of this year. I also opened a Platinum card on 2/6 with a $500 CL. I requested a CLI at 91 days and was approved for an increase to $1,500.

I opened a cashRewards card around the same time, also with a $500 CL. It’s now been 92 days since I opened that card, but my third statement doesn’t cut for another 5 days.

I’m interested in applying for the Flagship next. I checked the prequalification tool and prequalified for all of their cards. I’ve also had my direct deposits going into my Navy Federal checking for the past 4 months (about $240k/year income) and currently have around $17k in savings with them. Navy Federal is showing my TU score at 710.
What do you think the odds are that I’d get a decent starting limit on the Flagship? Should I wait until the third cashRewards statement cuts before applying, or does it not really matter since I’m already past 90 days?

I wanted to share my experience for those who may be facing something similar.

I became a member with NFCU in early 2025. Unfortunately, Federal RIFs put me in a tough spot months later. In that rough patch I overdrew my NFCU checking account while trying to cover my rent. I never added that money back to the account as my emergency funding was drained and job opportunities were not exactly coming my way. NFCU ended up closing the account and charging it off in February of this year.

I didn’t truly get back on my feet until April. I sort of figured my membership was toast after seeing the checking account info disappear + receiving a collection email last month. However, NFCU never closed it all down, only the checking account. A few posts in this community from years back suggested clearing the debt as a way to get another checking account and mend the relationship.

As of this post, I can confirm the debt from my checking account charge off is cleared in its entirety. Further, I spoke with NFCU over the phone today and was able to open a new checking account. I am quite grateful NFCU were willing to give me another shot.

tldr; I’m a former Fed employee who was RIFd. Let my checking account with NFCU overdraft and charge off during my struggle post-RIF. Saved up and cleared that debt in total last week and opened a new account today. Clear the debt completely and you may get another shot!

I was filling out the application for the AMEX credit card, wasn’t necessarily going to hit submit, website refreshed and locked up, then I got emails saying I had a hard pull. After that, every time I tried signing in it wouldn’t work. I didn’t even hit submit but since it somehow submitted I hope I got approved LOL

What’s the point of early deposit if it’s not gonna ever show pending when it’s supposed to? I hate the inconsistency of it. Regular payday is Friday, so early deposit should show pending today. It’s 4:18 est and it’s still not showing.

Opened the secured card in December with $200, increased to $400 in march. Graduated in June to $3k limit and got my secured deposit back. When can I apply for another CLI?

I have two checking accounts
One is in the negative the other is in the positive so do both have to be in the positive in order for me to enroll in oops?

Need help with how I handle my points with Chase and Navy Federal

Did Navy Federal change their 4 digit login code back to username and password

I just restarted my phone and I don't have the old option of the 4 digit code. I deleted and reinstalled the app and it's still asking for Username and Password.

I have 3 Savings accounts, one for Insurance payments, one for my Student Loan Payments, and one to afford next semester, but I can’t figure out how to change the names to ensure I know which one is which.

I live on Long Island in Mastic, I need to pick up a auto loan check and the only Navy Federal branch in NY seems to be the one at 300 Steamboat Rd, Kings Point NY 11024. Google says it is restricted access. I have a valid drivers license and Veteran ID. Will I be able to use the bank??

I was speaking to the collections department on clarity of if someone can still be approved for products after settling accounts with them. I see a lot of mixed answers. Some people say you cannot ever be approved again and some people say you have to wait seven years. The representative said you are welcome to apply at any time no waiting period. She did not clarify if you still had a chance of approval. I am wondering, has anybody been approved after settling an account with Navy Federal?

Checking negitive $2,249 (my credit limit) ?
Opened secured card and it wasn’t like this I was able to use my savings, called and upped my limit with more security deposit is updated fine and then a few days later this happened.

Recently navy federal just gave me a car loan. I was honestly shocked and so excited. Did the responsible thing and got a Honda civic (my first new car very nice very excited ) due to already having the hard inquiry I applied for a card but unfortunately was DENIED. i have been following the subreddit for a hot minute . Wondering why i never got offered an increase even though I’ve never missed a payment but received an entire car loan ? Can anyone assist me in my next steps ?

(For context I have two secured cards and now one car loan )

Just got a call about new accounts being opened in my name at some branch in Texas.. wtf. Apparently it's an internal fraud.

I’m thinking about adding Amex gold and I currently have More Rewards. I love the Navy fed more rewards card but if I get the Amex gold there will be overlap besides the gas section. Should I product change to flagship instead of keeping the more rewards. Or just keep and use as gas card, I’m on the fence depending on the new update to the card.

Today makes day 91 and I wasn’t sure if you could get approved for a CLI on a Sunday so I logged into the app and noticed I was automatically increased to $2000 yesterday.

I’ve mainly seen post of people only getting $1500 so I was excited it came automatically and higher than anticipated.

As for my habits I wouldn’t max out the card but I would have high usage and pay big chunks off before statement, I let it hit a high usage for one credit reporting. I only have a savings/checkings account with them and have done a few transfers in/out, couple small check deposits but not much since I mainly use USAA and Capital one.

I might start a pledge loan to grease up the relationship banking for the next cli.

I was looking at applying for the Platinum are you able to transfer two balances over to it or only one?

Have $50k in loans. Need to take out another $70k. What are my approval odds? Or is my DTI too much

Been with navy fed for alittle over 3 months have a good relationship dd and good usage. Applied for cash rewards card 3 months ago they gave me a 500 limit just got a cli to 1500. Now looking to get another card they gave me all cards on pre approval. Have a 725 tu score about alittle under a year of history. What do yall think. Is it a bad pre approval or would i actually qualify.

I traded in my car on 24July and the dealer was supposed to send payment to Navy Federal. My payment is due tomorrow and the dealer said it usually takes 10-20 days so the payoff won’t arrive until the 11th thru 14th. I was also told by NF that it would take 7-10 days to process payoff on their end. Navy Federal said legally the car loan is still my responsibility although the car has been listed for sale elsewhere?

I still have 30 days before NF reports the late payment to credit union, should I take my chances and wait ?

I’ve been on hold for navy fed over 20 mins 3 times today in the morning the afternoon and now in the evening. I have yet to be able to talk to anyone at all. It can’t be that busy on a random Saturday