I’ve had navy fed for like 10 years…my score is only like 615 and thought screw it and apply for more rewards American Express cause I need cars to boost my credit (lack of accounts/cards)…approved for 5 grand in 30 seconds
Yo! just got the Green Cash Rewards card! Applied at 1am and got a $7100 limit! My highest card has been $1500 so i'm stoked to build my credit even more and improve my score! Thanks for your awesome videos, breakdowns, and tips!
Cash rewards def should be ranked higher in my opinion. U get 1.75 cash back and they love when u do automatic bill pay with them. U get more! I love it here lol
I have the secured card and honestly that's all I need right now. Definitely looking to upgrade to a unsecured card in the future though. This was really helpful.
Thanks for the info, Just did the cash rewards, first time, approved for $11,000. I have EQ 638 TU 609 EX618. All I did was open NFCU checking and had $200 direct deposit for 4 months and thats it. I checked their pre approval tool once a month and only can get the secured card, today (4 months later) I checked it, I was pre approved for all the cards, started with cash rewards, I was tempted to go for the flagship but good thing i chose this one. Ill try the flagship in 6 months as i develop a better relationship 🙏🏽🙏🏽
Been with navy for about 2 years, just started getting the credit cards, applied for the platinum card got approved for 30k 3 months ago. Applied for the flagship yesterday and got approved for 22k 💪💪💪I might product change the flagship to more rewards though since I don't travel alot and don't really like the annual fee
Amazing! I should have started with NavyFed long time ago because I'm a military veteran but I didn't know. I've been with USAA for so long that offers no value:(
I recently got approved for the N Rewards card! I was so excited I love NFCU I will keep my utilization low and make all payments on time. So in three months I can get CLI and in six months get my deposit back and get the Cash Rewards card! I love your channel very informative and helpful!
The More Rewards Amex is the best hands down. No annual fee and more 3X categories than the Flagship. Flagship frankly could use some attention Navy Fed.
@@sergiojimenez2271 Wal-Mart is not characterized as a supermarket by Navy Fed. I use either Flagship or Cash Rewards when I go there. However, if you pump gas there and it is “Murphy” you do get the 3x with Amex
I saw your video last night and I applied for the more rewards card. my credit score is between 620-635. my card limit is 15,000$ with an 16% APR. IM happy with my card and thank u for making this video.
That’s fair. Platinum is for when you get in trouble and Flagship Rewards is a good daily driver. Surprised to see it as an S since every element of the card can be done better by a different card. That said, all the useful credits in a 2x card is pretty sweet.
I think the More Rewards should be an “S” card since nearly everyone needs to do things like buy groceries, gas, and the like as opposed to more travel-oriented categories. Getting 3x on these things that likely take up 25% or so of your income, especially if you have a [large] family are outstanding! Don’t get me wrong, the Flagship is definitely a very premium card, but I don’t see it as a ‘primary’ daily driver, but more as the one for ‘everything else.’ I totally agree on the Platinum card, BTW, as it’s a literal ‘emergency’ card that should be stashed away somewhere and otherwise only used once every 5 or 6 months just to keep the account open.
Thanks for the advice. I literally used your ratings to help decipher which is the best credit card to apply for and went with the More Rewards Card and just got approved for $20k! I appreciate it man, keep doing the good work.
I got the flagship in may 2021 and they paid the amazon prime fee which was the promo. Last month my prime membership was up for renewal and automatically charged my flagship. But what was a delightful surprised is NFCU paid the SECOND YEAR prime membership fee $130. I was checking my statement and BAM saw membership fee was reimbursed. NFCU rocks, often imitated, never duplicated. Not sure what will happen May 2023, if they will pay it or not, but super happy with this bonus.
Thats awesome. I went close to 8 years and never paid for prime as amazon never charged me.. I kept quiet about it and one day about 3 years ago they started charging me.
The Flagship & More Rewards are my favorite cards. I was able to open my Flagship just under 4 months I opened my nRewards & More Rewards cards with a limit of $15k when I only had a total limit between my other 2 cards of $900. I really love Navy Federal.
I had to watch this twice I'm order to really get it! I love how you took out time to educate people like myself who's been struggling with credit and understanding it for a while now. Thank you. 😊
Either he wasn’t aware or he forgot to mention that NFCU requires a credit check for the Secured card ! I’ve been a NFCU customer for many years, I decided I wanted to get the Secured card to see how it would work for me, but was told that a credit check had to be done ! That was confusing, since I wouldn’t be borrowing any money, just using my own from my account. The NFCU Rep. told me that a credit check is standard even if you already have an account in good standing, a great credit score, and your own money !- MRS. Z. 331
Great video, thanks! However, what if the incentives/offers weren't available? For example, in the case of an upgrade or product change? Would the Flagship still be their best card or would the More Rewards reign supreme? I currently have one credit card from NFCU, the Go Rewards Visa. I'm not interested in obtaining a second one, since I have plenty of other credit cards that I'll be upgrading this year, so I'm trying to decide on which upgrade/change might be best.
You missed 1 key thing on the Cash Rewards card. I have had the card since 2017 and nothing has changed about this: if you have direct deposit with Navy Fed, the card gives 1.75% on all purchases, with no spending cap.
the blue card you have listed "roadside assistance" does that mean it comes with like a AAA service or just gives you points when you have to tow a car?
You can use the Flagship Visa to get 3X booking Travel thru the BILT Rewards portal, and also get 1X BILT Rewards, for 4X diversified points. And the same Flagship card gets 2X on everything else. 3X & 2X unlimited, no expiration on points. Flagship's 3X also works on Airbnb, and all those other Travel & Transit things that the BILT card doesn't give you Travel points for. BILT covers Dining 3X Worldwide 🌎🌍 Flagship also has no foreign transaction fees. Using your BILT Rewards, of course you can get 1.25X booking thru them, or transfer out to Partners for an average of 2.2X. That's a really strong pairing and the annual fee between them is only $49 (effectively less with the TSA/Global Entry credit). P.S. Navy Federal has dropped cell phone protection on all of their cards. BILT Rewards has that covered with $800.
Currently rebuilding credit. Have two hard pulls on me. One a year old one 6 months old. Planning on buying a camper in 6 months. Should I risk a third hard pull for a credit card before my request for a loan?
I went fir the Navy Federal cash card. It was based on the questionnaire on the website because of low interest rate and gaining cash back. I prefer these cards over having to pay annual fees with the flagship card.
Navy Federal Credit Union is the best Credit Union with the NFCU cashRewards you get 1.75% cash back on everything if you have Direct Deposit with NFCU savings account or checking account
Cash rewards card doesn’t have a set transfer rate, meaning you can redeem at any $ amount, other cards require at least 5,000 pts to redeem like you stated.
I applied for membership a couple weeks ago. Opened a checking account with the minimum, a pledge loan with $400, paying $360 (90 percent) back the next day, and was approved for an secured Nrewards card. Just now applied for the NFCU More Rewards card and was immediately approved for $13,200.
Thank you .. Now, i learned it about NFCU credit cards .. Joined the Navy Federal Credit Union after i left Bellco for 30 years . What a mess! Tried to rebuild my credit score .. Ask you that Reward card take after 6 months to get Flagship card right ? how it work??
what is the benefit having this card? isn' t it just like any other cards, I have a few $15,000 credit line credit at a bank what's the difference from flagship card to any other credit card?
I have the green cash rewards for a few months now with $2000 credit limit. When is the best time to request for limit increase? I'm hoping to get approve for $10,000 to $15,000. Let me know. Thank you.
Thanks for the video. I became a member with them yesterday. I am thinking about applying for their More rewards card. My fico score is 730, having 3 credit cards oldest one is 1 year 11 months Do you recommend applying for it in the next couple weeks? if not what should I do to be eligible? and how long should I wait? Sorry for the long comment and thanks in advance
Very awesome job . I'm not good in banking after watching your video last night I got sign up to be a navy federal member and open an account with $5 deposit . But when I do the pre qual for the credit card they approve me for $200 deposit secure credit card . What can I do to get a higher limit credit card ?
if you need help about credit lines joshua will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee his details is above_____
Hey boss i was seeing an old video you made on the discover secured card. I just turned 18 and wanted to start building credit but I don’t know if i should start with a secured or student or a add on to my parents account. What would you recommend?
I use to have an checking and savings account plus a credit card and line of credit with navy credit unions however due to hard time and unfortunately it went to collection. I’m try to settle those account and reapply back. Is it possible to get a credit card / line of credit back from navy federal credit union once I fix my credit and settle my debt?
Yeah, I got an insulting $500 limit on their Platinum Visa card 😂 I have no idea why since I had a 687 score at the time. Now I’m stuck trying to slowly increase the limit over time. Anyone have ideas?
It’s more than just the score. Is your utilization high? Have you had any missed or late payments? There may have been something that made you look risky. To increase it, use approximately $450 each month but pay it down to $2. This will show them they can trust you AND that you need a higher limit.
I feel like it's a missed opportunity for NFCU for not extending out membership to Vets like us, especially when the majority of the men and women I served within the corps used them. Idk maybe it's just me.
You can become a Navy Federal member if you're a veteran. Go to the website click on membership and it has a list of ways that you can join. DOD civilian, parents grandparents children, household members of the Navy Federal as well as veterans.
As stated already it is easy. NFCU even mentioned they have opened some to civilians but are not going the route that USAA plans to. Give them a call if it is confusing, NFCU that is. They have actual people that talk to you.
@@NaamWynn I just did the pre qualification for a credit card with navy federal this morning and they told me I pre qualify for all the cards so I picked the green one the cash rewards card and they said my limit was 3500,it’s crazy because two months ago I could only get the secured card but I guess time is the key along with other things etc. income,score
Years ago I was in a similar situation. I called and paid it off . If you still have eligibility you should be able to get back in . I even have my same access number. I’m not sure if my difficulty getting credit products is my profile or a scarlet letter from being closed down . I will say I can’t use over draft anymore but I’m happy to be back in .
I have no credit history but, I've had Nfcu for about 4 months now. They sent me invites to apply for the go rewards card does that allow me to skip the secure credit card ?
Actually it's not. I got my account over the phone in 20 minutes. I gave them my grandfather's name and dob. He was a U.S. veteran in WWII. She set it up with no questions asked.
@@jfros9794 call them on the phone. Tell them your story. I got approved over the phone. My dad had passed when I called and I was a bit concerned they might request documentation. I would guess they have access to a database for easy verification.
@@arturogomezjr8899 I don't know you but depending on your situation you can do most of the work yourself I personally especially thanks to the Plandemic been able to become debt free which allowed to gain 150 pts on my credit score within the pass 6 months. My tips to you Download Credit Karma great app for helping you build your credit while helping you understand what your credit means etc..Get all 3 credit reports cause of Covid you can get 1 free every week which is good cause prior to Covid it was 1 every 12 months, 2)highlight what isn't accurate everything 7 years or older is to removed by law you can dispute via email or phone, if in heavy debt focus on paying that down to 30% or less utilization example if you owe 5k in debt pay down to 1500 or less this helps tremendously, pay all bills current, if you have any derogatory marks focus on getting those removed, to many hard inquires is not good, hope this helps 1) Build Your Credit File. ... Don't Miss Payments. ... Catch Up On Past-Due Accounts. ... Pay Down Revolving Account Balances. ... Limit How Often You Apply for New Accounts.
Which NFCU credit card is your fav?
I’ve had navy fed for like 10 years…my score is only like 615 and thought screw it and apply for more rewards American Express cause I need cars to boost my credit (lack of accounts/cards)…approved for 5 grand in 30 seconds
@PJ Max didn't get approved huh?
@PJ Max HA THANKS BIDEN
@PJ Max 🤣
I have 3 cards with them but my main goal is to build better credit.
Yo! just got the Green Cash Rewards card! Applied at 1am and got a $7100 limit! My highest card has been $1500 so i'm stoked to build my credit even more and improve my score! Thanks for your awesome videos, breakdowns, and tips!
Cash rewards def should be ranked higher in my opinion. U get 1.75 cash back and they love when u do automatic bill pay with them. U get more! I love it here lol
I have the secured card and honestly that's all I need right now. Definitely looking to upgrade to a unsecured card in the future though. This was really helpful.
I started with the secure card also
Mine automatically unsecured after a while and the limit went up. Then after even more time, it upgraded to a go rewards and the limit went up more.
@@zombiex227 how long did you have the card before the limit increased
@@zombiex227 how long did you have the card before the limit increased
@@carneissia.j8701 I didn't give a number because I wasn't sure, but I think it was around 6 months or so
Thanks for the info, Just did the cash rewards, first time, approved for $11,000. I have EQ 638 TU 609 EX618. All I did was open NFCU checking and had $200 direct deposit for 4 months and thats it. I checked their pre approval tool once a month and only can get the secured card, today (4 months later) I checked it, I was pre approved for all the cards, started with cash rewards, I was tempted to go for the flagship but good thing i chose this one. Ill try the flagship in 6 months as i develop a better relationship 🙏🏽🙏🏽
Been with navy for about 2 years, just started getting the credit cards, applied for the platinum card got approved for 30k 3 months ago. Applied for the flagship yesterday and got approved for 22k 💪💪💪I might product change the flagship to more rewards though since I don't travel alot and don't really like the annual fee
what was your credit score at the time and which did they pull?
@@fashiongal4595 800
@@meljohn2202 hot damn! What were your scores like when you started with Navy?
Amazing! I should have started with NavyFed long time ago because I'm a military veteran but I didn't know. I've been with USAA for so long that offers no value:(
I recently got approved for the N Rewards card! I was so excited I love NFCU I will keep my utilization low and make all payments on time. So in three months I can get CLI and in six months get my deposit back and get the Cash Rewards card! I love your channel very informative and helpful!
Daim man congrats, i wish I could join NFCU.
@@JoseFernandez-wu8pj You could ,get a sponsor! It's not difficult I could sponsor you
@@gogurletc8170 How do I get a sponsor? How did the increase after 6 months go?
The best credit union in da game
I hear I can't wait to experience NFCU
The More Rewards Amex is the best hands down. No annual fee and more 3X categories than the Flagship. Flagship frankly could use some attention Navy Fed.
Does it give you points in supermarket if you buy groceries at walmart?
@@sergiojimenez2271 Wal-Mart is not characterized as a supermarket by Navy Fed. I use either Flagship or Cash Rewards when I go there. However, if you pump gas there and it is “Murphy” you do get the 3x with Amex
only flaw is amex isn't excepted everywhere.
@@sergiojimenez2271 not for me
Yes I agree here. Best / no fee / 3X categories
Thank you. I just applied for the more rewards card and got approved
NFCU is a God send! Go Rewards is my current favorite.
•Lisa send a message to my business mail below if you need my assistance•
naawynn89
G • MAlL
Contact the team above☝️☝️☝️☝️☝️☝️
I saw your video last night and I applied for the more rewards card. my credit score is between 620-635. my card limit is 15,000$ with an 16% APR. IM happy with my card and thank u for making this video.
Killing it! Nice!
Hey how long you been with them before applying? And did you have anything and on your credit report?
That’s fair. Platinum is for when you get in trouble and Flagship Rewards is a good daily driver. Surprised to see it as an S since every element of the card can be done better by a different card. That said, all the useful credits in a 2x card is pretty sweet.
I think the More Rewards should be an “S” card since nearly everyone needs to do things like buy groceries, gas, and the like as opposed to more travel-oriented categories. Getting 3x on these things that likely take up 25% or so of your income, especially if you have a [large] family are outstanding! Don’t get me wrong, the Flagship is definitely a very premium card, but I don’t see it as a ‘primary’ daily driver, but more as the one for ‘everything else.’ I totally agree on the Platinum card, BTW, as it’s a literal ‘emergency’ card that should be stashed away somewhere and otherwise only used once every 5 or 6 months just to keep the account open.
Thanks for the advice. I literally used your ratings to help decipher which is the best credit card to apply for and went with the More Rewards Card and just got approved for $20k! I appreciate it man, keep doing the good work.
Let’s go!!!!!!
I got the flagship in may 2021 and they paid the amazon prime fee which was the promo. Last month my prime membership was up for renewal and automatically charged my flagship. But what was a delightful surprised is NFCU paid the SECOND YEAR prime membership fee $130. I was checking my statement and BAM saw membership fee was reimbursed. NFCU rocks, often imitated, never duplicated. Not sure what will happen May 2023, if they will pay it or not, but super happy with this bonus.
Thats awesome. I went close to 8 years and never paid for prime as amazon never charged me.. I kept quiet about it and one day about 3 years ago they started charging me.
My flagship card is my workhorse. Those 2X points rack up very fast. Hands down the best card. Flagship can battle with the best of them.
The Flagship & More Rewards are my favorite cards. I was able to open my Flagship just under 4 months I opened my nRewards & More Rewards cards with a limit of $15k when I only had a total limit between my other 2 cards of $900. I really love Navy Federal.
I had to watch this twice I'm order to really get it! I love how you took out time to educate people like myself who's been struggling with credit and understanding it for a while now. Thank you. 😊
That $49 annual fee just kills the flagship card for me. Too many 2% cards that don’t have a fee.
Haha, going back to Navy Federal! This takes us back to the beginning man!
Haha full circle
My Flagship is clutch. Love that card. Love your content bruh.
Thanks! 🙏🏽
agreed plus it just looks classy
@@BeeboTheBoops fa sho
great video, Suggestion a comparison to USAA and NFCU and PENFED
Sounds like a great idea!
Just applied for the go more amx card and got approve for 10k thanks again
Solid drop man.
Thanks bro! I appreciate it!
Either he wasn’t aware or he forgot to mention that NFCU requires a credit check for the Secured card ! I’ve been a NFCU customer for many years, I decided I wanted to get the Secured card to see how it would work for me, but was told that a credit check had to be done ! That was confusing, since I wouldn’t be borrowing any money, just using my own from my account. The NFCU Rep. told me that a credit check is standard even if you already have an account in good standing, a great credit score, and your own money !- MRS. Z. 331
Great video, thanks! However, what if the incentives/offers weren't available? For example, in the case of an upgrade or product change? Would the Flagship still be their best card or would the More Rewards reign supreme? I currently have one credit card from NFCU, the Go Rewards Visa. I'm not interested in obtaining a second one, since I have plenty of other credit cards that I'll be upgrading this year, so I'm trying to decide on which upgrade/change might be best.
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
Great breakdown of each card. Thanks
Flagship all day! Almost wish it could be used for everything! Love it! Unfortunately I have 2 5% cards I need to utilize for Gas and Groceries! 😆
You missed 1 key thing on the Cash Rewards card. I have had the card since 2017 and nothing has changed about this: if you have direct deposit with Navy Fed, the card gives 1.75% on all purchases, with no spending cap.
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
My favorites are the cash rewards was my first credit card and Will never close it and more rewards is my go to for better rewards back.
the blue card you have listed "roadside assistance" does that mean it comes with like a AAA service or just gives you points when you have to tow a car?
You can use the Flagship Visa to get 3X booking Travel thru the BILT Rewards portal, and also get 1X BILT Rewards, for 4X diversified points. And the same Flagship card gets 2X on everything else. 3X & 2X unlimited, no expiration on points.
Flagship's 3X also works on Airbnb, and all those other Travel & Transit things that the BILT card doesn't give you Travel points for.
BILT covers Dining 3X Worldwide 🌎🌍
Flagship also has no foreign transaction fees.
Using your BILT Rewards, of course you can get 1.25X booking thru them, or transfer out to Partners for an average of 2.2X.
That's a really strong pairing and the annual fee between them is only $49 (effectively less with the TSA/Global Entry credit).
P.S. Navy Federal has dropped cell phone protection on all of their cards. BILT Rewards has that covered with $800.
Golden info!
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
I just joined this Saturday,I didn’t know if you had parents or a sibling living or deceased,your eligible 🤦🏽♂️🤦🏽♂️
Lucky you, some of us have no family members that are current or ex military.
Currently rebuilding credit. Have two hard pulls on me. One a year old one 6 months old. Planning on buying a camper in 6 months. Should I risk a third hard pull for a credit card before my request for a loan?
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
I went fir the Navy Federal cash card. It was based on the questionnaire on the website because of low interest rate and gaining cash back. I prefer these cards over having to pay annual fees with the flagship card.
Navy Federal Credit Union is the best Credit Union with the NFCU cashRewards you get 1.75% cash back on everything if you have Direct Deposit with NFCU savings account or checking account
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
Cash rewards card doesn’t have a set transfer rate, meaning you can redeem at any $ amount, other cards require at least 5,000 pts to redeem like you stated.
🔛🔛🔛🔝🔝🔝
Perfect timing on this video, was watching your old one and really wanted an updated version.
The more rewards almost feels like a better card to me but that's probably because I don't travel much
Did you try doing the cash hack program yet I did cash hack just some days back and I got paid $20,000 in just some hours
I applied for membership a couple weeks ago.
Opened a checking account with the minimum, a pledge loan with $400, paying $360 (90 percent) back the next day, and was approved for an secured Nrewards card.
Just now applied for the NFCU More Rewards card and was immediately approved for $13,200.
Can you do the pledge loan online?
@@derekfrey3671 unknown
@@therealrobinbullock did you call to set it up?
@@derekfrey3671 No, did it in person, but it's possible you can do it online.
What is a pledge loan?
I don't know why I'm not recieving your alerts I am subscribed
Thank you .. Now, i learned it about NFCU credit cards .. Joined the Navy Federal Credit Union after i left Bellco for 30 years . What a mess! Tried to rebuild my credit score .. Ask you that Reward card take after 6 months to get Flagship card right ? how it work??
I have the first card you reviewed, what is Collision Damage Waiver? What is the Cell Phone Protection?
NOt sure how my Platinum with 18k limit is at the bottom of the barrel but whatever ill make it work for me.
I don't have any military affiliation so how do I get in??
what is the benefit having this card? isn' t it just like any other cards, I have a few $15,000 credit line credit at a bank what's the difference from flagship card to any other credit card?
They no longer waive the first year fee on the flagship
Wow
You can only have 3 cards with NFCU
I have a bankruptcy they will not allow me to get a card with them what’s my next move
Wait so 3x reward points = 3%? So 3% cashback(points) vs the cashback card of 1.5%/1.75% the rewards card is better?
Member since December 2021, FICO 580.
- Checking/savings (direct deposit)
- (2) pledge loans
- (2) CDs
- nRewards ($500)
7/14/2022 FICO 680
- Just got approved Amex (20k)
NFCU is awesome 🇺🇲🇺🇲🇺🇲
Let’s go!!!!
@@NaamWynn your info and tips are awesome brother. Keep doing what you're doing and helping people out 💪🏽
I have the green cash rewards for a few months now with $2000 credit limit. When is the best time to request for limit increase? I'm hoping to get approve for $10,000 to $15,000. Let me know. Thank you.
I’ve had the flagship rewards card for a few years now.. is it too late to receive the free Amazon prime? How would I even redeem it?
Hey...I just got into Navy Fed last week. I called and got approved. How long should I wait to apply for any credit cards?
You can do it right away if you like.
what i just had 2 hard pulls a month ago?
Funny I was searching for one lol you came in clutch again Naam💪🏾💪🏾💪🏾
Naam, thank you so much!
The cash rewards card does have a 2% cashback if you sign up for direct deposit
It’s actually 1.75% w/direct deposit as of today 4/24/22
The platinum NF card is for making large purchases and pay over time with the low apt and they gave me 12 months at 0% apr
Is that the 1 with the 20k credit limit?
I just got mine. I LOVE NFCU! Been with em since 2001.
Just got this card and my scores a 650 should I wait a lil longer?
@@princethomas5679 what was your limit?
Idk whether i should get a NF card and transfer my Apple Card balance over to it then close it.
Thanks for the video.
I became a member with them yesterday.
I am thinking about applying for their More rewards card.
My fico score is 730, having 3 credit cards oldest one is 1 year 11 months
Do you recommend applying for it in the next couple weeks?
if not what should I do to be eligible? and how long should I wait?
Sorry for the long comment and thanks in advance
refer’ your complaint to my *Busi.* maiI below’
*naamwynn1*
*g - maiI*
Very awesome job . I'm not good in banking after watching your video last night I got sign up to be a navy federal member and open an account with $5 deposit . But when I do the pre qual for the credit card they approve me for $200 deposit secure credit card . What can I do to get a higher limit credit card ?
@@naamwynn1627 I can't find the email please send it again .
@@leonardocardichon1399 uh that’s it above!
Great work. Thanks
if you need help about credit lines joshua will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee his details is above_____
Great video thanks 😊
How do navy federal credit union approval a mortgage
I was just approved for a navy federal auto loan. How soon can I apply for a credit card?
I would say 91 days but since credit card different from auto loan, u can always try the pre-qualification on their website
Hey boss i was seeing an old video you made on the discover secured card. I just turned 18 and wanted to start building credit but I don’t know if i should start with a secured or student or a add on to my parents account. What would you recommend?
Add on your parents, wait a few months then apply for a primary credit card
Sounds about right, piggy back off your parents I just did this for my son !!! Good luck with everything
My favorite Navy Fed card is the more rewards Amex card!
Which credit bureau do they look at when you apply?
@TRANSUNION CONSULTANT Thanks for all you do sir 🙏
Is there an annual fee for the Go Rewards card?
No
I use to have an checking and savings account plus a credit card and line of credit with navy credit unions however due to hard time and unfortunately it went to collection. I’m try to settle those account and reapply back. Is it possible to get a credit card / line of credit back from navy federal credit union once I fix my credit and settle my debt?
Yes depending your score and other factors
They only allow you to hold 3 at a time
What about Space Force Federal Credit Union?? 🤔
I just asked what that was lol
Yeah, I got an insulting $500 limit on their Platinum Visa card 😂 I have no idea why since I had a 687 score at the time. Now I’m stuck trying to slowly increase the limit over time. Anyone have ideas?
It’s more than just the score. Is your utilization high? Have you had any missed or late payments? There may have been something that made you look risky.
To increase it, use approximately $450 each month but pay it down to $2. This will show them they can trust you AND that you need a higher limit.
Wow I got $6800 for my Amex and my score 615 🤣🤣🤷🏾♂️ but I have like 8k in the bank though
I feel like it's a missed opportunity for NFCU for not extending out membership to Vets like us, especially when the majority of the men and women I served within the corps used them. Idk maybe it's just me.
You can become a Navy Federal member if you're a veteran. Go to the website click on membership and it has a list of ways that you can join. DOD civilian, parents grandparents children, household members of the Navy Federal as well as veterans.
As stated already it is easy. NFCU even mentioned they have opened some to civilians but are not going the route that USAA plans to.
Give them a call if it is confusing, NFCU that is. They have actual people that talk to you.
@@ITIRICI Done. Now waiting.
Marco Sawyer agreed but I feel that is EX FEDERAL AGENTS SHOULD ALSO BE ABLE TO JOIN NFCU EVEN IF IT MEANT WE HAD TO DONATE TO A FOUNDATION.
What if my grandfather is retired navy. Does that count?
Yup
@@NaamWynn I just did the pre qualification for a credit card with navy federal this morning and they told me I pre qualify for all the cards so I picked the green one the cash rewards card and they said my limit was 3500,it’s crazy because two months ago I could only get the secured card but I guess time is the key along with other things etc. income,score
What to do if you messed up your NFCU CC during pandemic? Possible charge off status. Is the relationship salvageable or do you move on?
Years ago I was in a similar situation. I called and paid it off . If you still have eligibility you should be able to get back in . I even have my same access number. I’m not sure if my difficulty getting credit products is my profile or a scarlet letter from being closed down . I will say I can’t use over draft anymore but I’m happy to be back in .
@TRANSUNION CONSULTANT SCAMMER!
I wish I did wait six months maybe I’ll have a better credit card limit
Me too, I just joined and applied at the same time and only got a 7k limit
Will a pre-approval guarantee a card after a hard inquiry ?
No. Just high probability - no guarantees.
I have no credit history but, I've had Nfcu for about 4 months now. They sent me invites to apply for the go rewards card does that allow me to skip the secure credit card ?
Your most likely prequalified, I would go ahead and do it.
Yesss do it!
Yes same thing i got in the mail but i only pre q’d for the secured and i applied for the go rewards n got 15k just do it after 11:30 plm
Secured credit card) do they check credit ?
Yes
The "More Rewards" card is pretty much a propel card🤔
What is a propel card?!
Which card should I apply for just to build my credit?
Depends on what rewards points are most beneficial to you.
The nRewards Secured credit card
Becoming a member is the biggest hurdle
Don't give up I thought the same however I'm a member now!
Send me a message I can help!
Actually it's not. I got my account over the phone in 20 minutes. I gave them my grandfather's name and dob. He was a U.S. veteran in WWII. She set it up with no questions asked.
What card should I get as a 21 year old?
@TRANSUNION CONSULTANT You're referring to Paul 😊 His services are awesome. He never disappoints
The Amex credit card I like
American e press and the rewards only Go
What’s the credit limit on them ?
Whatever they say when they give it to you, looks like.
What if, someone in your family was in the military a long time ago? I really want a Navy Federal credit card.
That would count
My dad was in the Army in WW2. I applied over a year ago and was accepted over the phone. Had to deposit $5 to start my membership.
@@michaelswami my grandfather was how can I get access if he’s passed a while ago
@@jfros9794 call them on the phone. Tell them your story. I got approved over the phone. My dad had passed when I called and I was a bit concerned they might request documentation. I would guess they have access to a database for easy verification.
I have tried to reach out to you via your website in regards to credit questions will you respond
Send me another email. I might have missed it.
I so wanna join them, but Im not a vet.
You don't have to be
@@gogurletc8170 - I know. My big brother is a vet, Im trying to get it thru him.
Is USAA the same as Navy Federal?
Both are for “military” USAA is more of a bank and Navy Federal is a credit union.
You must have an acct with 1 year
Which Credit Bureau does NF use to determine their decision ?
Trans Union
I think cash back on the green card is 1.75%
It's 1.5 unless you have direct deposit. If so then it's 1.75
Naam Wynn = Nam Nguyễn?
Are you still doing the credit repair service?
Not currently
@@NaamWynn i need help with my credit score so i can buy my home....
@@arturogomezjr8899
I don't know you but depending on your situation you can do most of the work yourself I personally especially thanks to the Plandemic been able to become debt free which allowed to gain 150 pts on my credit score within the pass 6 months.
My tips to you Download Credit Karma great app for helping you build your credit while helping you understand what your credit means etc..Get all 3 credit reports cause of Covid you can get 1 free every week which is good cause prior to Covid it was 1 every 12 months, 2)highlight what isn't accurate everything 7 years or older is to removed by law you can dispute via email or phone, if in heavy debt focus on paying that down to 30% or less utilization example if you owe 5k in debt pay down to 1500 or less this helps tremendously, pay all bills current, if you have any derogatory marks focus on getting those removed, to many hard inquires is not good, hope this helps
1) Build Your Credit File. ...
Don't Miss Payments. ...
Catch Up On Past-Due Accounts. ...
Pay Down Revolving Account Balances. ...
Limit How Often You Apply for New Accounts.
@@arturogomezjr8899 I advice is reach out to "creditandfinance" on lnstagram
they're in the best position to assist you
this man needs to be a social worker..