👉📲1 on 1 Consultation - calendly.com/justmoneyish 👉💵💰FREE $50 to bank with Langley federal credit union - bit.ly/4gFv1F6 👉💵💰SoFi Checking & Savings Account (Get up to $325) bit.ly/Ismaelshaunsandiford 👉📲💰Invest With Robinhood: join.robinhood.com/ismaels27 👉Use my link to get a Free Stock worth up to $200!
Good info! I got a NFCU rewards credit card last year and the initial credit limit was $20K. Exactly one year later, they just upped it to $24K. I don't carry balances and pay it off each month. Their customer service staff via phone is top shelf! I've never, ever had a bad experience with NFCU.
I got screwed over by the NFCU mortgage dept. Mortgage loan officer took 7 vacations in 2 months. I almost lost the house I wanted. I had to move to a different bank that closed within 2 weeks.
This video is spot on! I’m a veteran and been with Navy Federal for about 12 years! I have one credit card with a 25K limit. I’ve also had a few auto loans with them. Navy Federal is very easy to deal with and especially with my 805 credit score!
@@kflo3046that was good because I didn't have to rewind it multiple times and I retained all of the information. This makes me want to subscribe without him saying like subscribe and share.
APR = Annual Percentage Rate Your rate on any credit product with an APR is being evaluated annually, which means you can request an adjustment annually as long as you're in good standing. Just an FYI It's not exclusive to Navy Federal...so make those calls and get those rates down!!!
After the Bank of America Zelle fiasco last Wednesday I switched my bank to navy fed using my roommates access number. Enrolled over the phone with navy fed customer service. Took 20 mins for the process. Set up navy fed mobile banking and received my debit card a day later. Closing my BOA account asap! 💜
Add In #6. Navy Federal has Gift Cards with no activation Fees. Comes in handy for my kids during sporting events when they have to pay for the tickets online.
I watched one video and literally couldn't stop diving into the information within all of your videos. good job Ish for being so concise and to the point, you seem to really be insightful
Hey buddy you can also join Navy Federal Credit Union if you work for the Department of Defense or are a Department of Defense Contractor. Also you can sponsor family members to join Navy Federal Credit Union I joined back in 2010 working as a contractor on an Army base in Maryland
Damn youngster - great video! I'm financially OK now, but I needed information like this back in my 20s!!!! I'm going to recommend this channel to all of the younger folks in my circle of family and friends - thanks for the info!
I didn’t know that. Thank you for the information. Am trying hard to clean up my debt. They rejected me because of bad credit and delinquencies. Finally got job promotion. To pay off fast. Always want to get Reward credit card or Flagship card.
One drawback with them is that they are not part of the credit union network, which essentially means that if I don't live near a branch, it's harder to bank with them. If they were in the network, I could walk in to a local branch near where I live and conduct business as if it were NFCU.
Excellent video✨I've been deciding to join another credit union and although Navy Fed was one of them I hadn't decided on who I would go with until I ran across your video. I really appreciate the valuable information you've provided. Superb 🙏🏽
You have the platform to let people know that also if you are new to Navy Federal Credit Union and you do a transfer from your bank to them it can take one to three business days also you cannot make mobile deposits to your account for 30 days I had to find that out the hard way if you live in New York City there is no Navy Federal Credit Union at all maybe one that's 150 mi away so beware of these factors
Thanks for the information! Another thing Navy Federal won't, or hasn't given straight information about, is HOW they decide to graduate your secured, to an unsecured credit card? You can get lots of different, often opposing information, depending upon who you talk to!SMH!
this is so true I have been with NFCU. I know have my credit card motorcycle and two car loans with NFCU. Just bought my newest vehicle last week and I got my approval and got my Jeep for $0 down
All good information. Thank you! I was able to migrate from the NFCU Amex to the Flagship with a $5000 limit. I have since gotten increases from there but (unless something has changed in the last year) I was told that the minimum to switch to Flagship was 5k.
@@GorJessFace You will need to use the Amex and request increases after 3-6 months. Once you have gotten your Amex limit up to $5000 you can request to swap products to the Flagship card.
I don’t get my direct deposit with them it’s with PNC but i use the savings and have various certificates with them as well. But I would like to get a mortgage with NFCU for rate purposes is it more beneficial to do my direct deposit with them?
I am a honorably, discharged navy vet, and I recently met a guy that had a navy federal card, and he was never in the military. He got his card based on the fact that his father was in the military. I applied and I was turned down. I am a Navy vet and even I was turned down. Navy federal is a scam.
I was just thinking how do you find out your internal score and you answered it! Lol. Thank you so much for this valuable information. I am working towards getting a strong foundation with them for personal and business side of things.
Quick story. I wanted to pay off my cc so i figured i gave myself a loan from my savings. Turns out they charged me to use my money + they charged mo. Interest and they kept the interest to use my Money. It's the best bank to keep you in debt. I asked my cc max Limit to be 10 k. They don't care to help. I'm at 24 still. I don't use their card or loans anymore.
Thats how interest works…. And what do you mean they charged you to use your money? The money available to you on a credit card is not your money its their money they’re letting you have access to. They then charge you interest if you choose to use it. Do you not know how credit works is that why you’re upset?
@Just Money NO, THANK YOU. I'M A NAVY FEDERAL PERSON & I WANTED TO APPLY FOR A NAVY FEDERAL CREDIT CARD, DO YOU KNOW IF THEY DO A PRE APPROVAL TO SEE BEFORE YOU APPLY. THATS A HARD HIT & I'M THE EXCELLENT STATUS. SO HOW LONG DOES IT TAKE IF I APPLY BEFORE I RECIEVE MY CARD? IF YOU DON'T MIND!
@@JustMoneyish my question is. What if you get in , no question ask . Would they ask any info regarding your acct and military. Like who do you know in navy federal . How you get in lol 😂
Hey bro If I do apply for the business credit Could I also buy personal stuff with the credit ?? Like groceries and stuff from Amazon ??? I'm only asking because I already have two business credit with bank of America and chase
Please help me out with this question. 2months ago I put $1000 on the nrewards secure card. I also have a business account. I wanted to increase my limit on my nrewards by adding another $1000. Am I making the wrong move? Should I add that $1000 to opening a business credit card instead? Would doing that offer better benefits?
i have great credit limit and i would like to apply for the navy federal flagship card, i got pre approved for it but i want to get a high credit limit with them, would you know how?
Hi one UA-camr saying all these hacks are going to be shut down soon NFCU is getting strict about membership? no more back door shit! what are you saying is this current information or not? Thanks anyway
These are not hacks. It's on the NavyFed website. You can also just be related to someone in the military or a military contractor,even if they are just a civilian
@@SledgeIncTeam has to be immediate family member of someone in the military or an immediate family member that is already banking with them to get in or as mentioned living at the same address as someone who already banks with them. Otherwise you will not be granted in
@@JustMoneyish yep, that's what I put in my comment to your video. I was in the National Guard but my cousin got in because my Grandfather was in the Army and my kids got in thru me 🫡
If I graduated from secured to unsecured rewards credit card, do I still wait to apply for a second credit card on the 91/3 rule or do I ask for credit limit increase from the granted $2000 from the $250?
@@marilynsamuels4072 so with navy Fed they want you to wait either 91days or wait for 3 bank statements to come through notification before applying for a new credit card or credit limit increase
I joined NFCU to get a motorcycle loan. I had very recently gotten my first credit card, so I had little to no credit, but I thought they would still approve me of the loan because I didn't have BAD credit and also had no delinquencies. Long story short, I got denied, tried to appeal it, and it looks like I'll be denied again bc of the reasoning behind the initial denial. Apparently bc I'm a new member I can't get approved for a loan. That's pretty bogus in my opinion. Any thoughts or reccomendations on what to do with NFCU or somewhere else to get a motorcycle loan. $9,000 with a $2000 down payment is what I'm trying to get
Must be some issue. My son had been in the Navy for about 6 months and they approved him for his first car loan...and a credit card. He didn't have any credit, but I had previously added him to one of my cards with a good limit and payment history. I think that helped.
He E. Sanderford. Im with NFCU TOO. My question is, can one over due ( from 2 yrs ago, I'm not paying. T-MOBILE for a defective phone) amount hit my credit score for 65 points. I've had an over 800 score for some time. T-MOBILE gave me a replacement phone, and the screen went black, they decided I didn't know my password and tried too many times, ALL LIES. Waisted three months stringing me along. Please get back to me. PS. I just subscribed to your channel.
Pledge Loan is where you for example, have a savings account at the credit union with $3500 in it. You could use that as collateral to obtain a ‘secured’ loan with the credit union. It helps rebuild credit. Hope that helps
👉📲1 on 1 Consultation - calendly.com/justmoneyish
👉💵💰FREE $50 to bank with Langley federal credit union - bit.ly/4gFv1F6
👉💵💰SoFi Checking & Savings Account (Get up to $325) bit.ly/Ismaelshaunsandiford
👉📲💰Invest With Robinhood: join.robinhood.com/ismaels27
👉Use my link to get a Free Stock worth up to $200!
Good info! I got a NFCU rewards credit card last year and the initial credit limit was $20K. Exactly one year later, they just upped it to $24K. I don't carry balances and pay it off each month. Their customer service staff via phone is top shelf! I've never, ever had a bad experience with NFCU.
Hell yea! Glad to hear!
Same I love them
I got screwed over by the NFCU mortgage dept. Mortgage loan officer took 7 vacations in 2 months. I almost lost the house I wanted. I had to move to a different bank that closed within 2 weeks.
Is there internal credit score on mortgages? Or did I miss that part? Is transunion the only credit agency used fir mortgage as well?
@@ccorp8384they use a equifax mortgage credit report and it’s not your typical fico scores. Maybe a lot lower for mortgage purposes
This video is spot on!
I’m a veteran and been with Navy Federal for about 12 years! I have one credit card with a 25K limit. I’ve also had a few auto loans with them. Navy Federal is very easy to deal with and especially with my 805 credit score!
Navy is wavy for Business owners too. Credit limits are insane.
That’s the card I want. I’ve been slowly building my biz credit.
@@darlingtiarabrands4074 how do you check your business credit? is it reported to the Transunion like the others?
Thank you for getting straight to the point!
All other youtubers take notes!
😂😂😂💪🏾
Good info but I thought he kinda dragged it out and kept repeating some things.
@@kflo3046that was good because I didn't have to rewind it multiple times and I retained all of the information. This makes me want to subscribe without him saying like subscribe and share.
You can also be related to a member to get in.. mom, dad, child, grandparent, grand children, etc.
APR = Annual Percentage Rate
Your rate on any credit product with an APR is being evaluated annually, which means you can request an adjustment annually as long as you're in good standing. Just an FYI It's not exclusive to Navy Federal...so make those calls and get those rates down!!!
After the Bank of America Zelle fiasco last Wednesday I switched my bank to navy fed using my roommates access number. Enrolled over the phone with navy fed customer service. Took 20 mins for the process. Set up navy fed mobile banking and received my debit card a day later. Closing my BOA account asap! 💜
Wow, same here for the EXACT same reasons. Opened NF account (used my grandpa) seconds ago and on my way to close out of BOA.
Aysia ask your friend could you share the code in a private message, would greatly appreciate it 🌎💞.. blessings upon you all
Just closed my BOA today!
Add In #6. Navy Federal has Gift Cards with no activation Fees. Comes in handy for my kids during sporting events when they have to pay for the tickets online.
Actually yes, that’s a good one ! lol
Are they reloadable?
@@greaterishe7197 yes
@@aliefphil1119 Thank you.
Thank you brother, I'm 17 about to go in the military just wanted to inform myself and u helped me a lot thanks bro
I watched one video and literally couldn't stop diving into the information within all of your videos. good job Ish for being so concise and to the point, you seem to really be insightful
Hey buddy you can also join Navy Federal Credit Union if you work for the Department of Defense or are a Department of Defense Contractor. Also you can sponsor family members to join Navy Federal Credit Union I joined back in 2010 working as a contractor on an Army base in Maryland
Damn youngster - great video! I'm financially OK now, but I needed information like this back in my 20s!!!! I'm going to recommend this channel to all of the younger folks in my circle of family and friends - thanks for the info!
Appreciate that boss !
Been with them decades they are great!!
Nice!
Been with Navy Federal for 23 years and I definitely love it
You can also start banking with navy if you work for them that is how I got my account 🙂
Good one !
I joined about two years ago and got a credit card about 6 months ago with a limit of $25K with reward benefits.
Wow! I have been with them that long. Did you have a good credit score for the cc? I was at 650 but it went down some.
What made you eligible for the $25k credit card?
Thank you Ive been with them for 5 yrs and you just shared info that I did not know.. thanks
Welcome! 🚀
I've been a Navy Federal customer for over 20 years I didn't know any of this great information.
Glad to help! Thank you !
My parents and I have been Navy Federal credit card holders and banking with them since 2000 they are better than any Bank out here right now period!!
My dad is a military veteran. He suggested I sign up. May I ask, what are some of the benefits it offers have if you are not a business owner?
@@shakinahs when you borrow money no high interest rates!!
I didn’t know that. Thank you for the information. Am trying hard to clean up my debt. They rejected me because of bad credit and delinquencies. Finally got job promotion. To pay off fast. Always want to get Reward credit card or Flagship card.
One drawback with them is that they are not part of the credit union network, which essentially means that if I don't live near a branch, it's harder to bank with them. If they were in the network, I could walk in to a local branch near where I live and conduct business as if it were NFCU.
Lmao that’s not true they have a coop network and it’s dozens of credit unions I can go into and deposit checks and use their atms without fees
Didn't know about the 3 limit. Don't have any with them yet, but nice to know going forward.
Excellent video✨I've been deciding to join another credit union and although Navy Fed was one of them I hadn't decided on who I would go with until I ran across your video. I really appreciate the valuable information you've provided. Superb 🙏🏽
Thanks glad I can help! Appreciate that very much !
What's the difference between credit union and bank?
You have the platform to let people know that also if you are new to Navy Federal Credit Union and you do a transfer from your bank to them it can take one to three business days also you cannot make mobile deposits to your account for 30 days I had to find that out the hard way if you live in New York City there is no Navy Federal Credit Union at all maybe one that's 150 mi away so beware of these factors
Excellent video WELL SAID and Very informative...Thanks
Thanks for the information! Another thing Navy Federal won't, or hasn't given straight information about, is HOW they decide to graduate your secured, to an unsecured credit card? You can get lots of different, often opposing information, depending upon who you talk to!SMH!
Welcome!
this is so true I have been with NFCU. I know have my credit card motorcycle and two car loans with NFCU. Just bought my newest vehicle last week and I got my approval and got my Jeep for $0 down
❤thanks for the info. I’m definitely gonna request a lower interest rate on my NFCU Amex and Visa rewards.
I used my sister's name and access #, she is not military and we have different addresses. NF still offered me a checking and savings account.
Yea if you have an immediate family member that banks with them already then that makes you eligible as well 💯🚀
All good information. Thank you! I was able to migrate from the NFCU Amex to the Flagship with a $5000 limit. I have since gotten increases from there but (unless something has changed in the last year) I was told that the minimum to switch to Flagship was 5k.
I just received my NFCU Amex so should I establish it first then migrate it to a Flagship!?
@@GorJessFace You will need to use the Amex and request increases after 3-6 months. Once you have gotten your Amex limit up to $5000 you can request to swap products to the Flagship card.
Nice info! You can also bank with Navy FCU if you are a civilian employee with the DOD. Been with them for years, love them!
NFCU got rid of the internal scores in 2020 - an ex employee
There still sending out internal scores till this day
Good to know. I got a letter a few days after I applied for a credit card and the score was listed in it.
they are the best hands down
I don’t get my direct deposit with them it’s with PNC but i use the savings and have various certificates with them as well. But I would like to get a mortgage with NFCU for rate purposes is it more beneficial to do my direct deposit with them?
Transferring money to nfcu is an absolute nightmare
I just joined last week and I’m finding this out! I’ve been trying to transfer funds and can’t. Now I’m calling customer service.
You have to set up Navy Federal in your Billpay 🥸from your other bank
I started with a secured credit card while building my relationship with them now I have a reward credit card
Bro u be droppin soo much credit game it’s crazyyy lol. Preciate it!
Lol appreciate you family!
Thank You ❤ Godbless You Beautiful Soul
Appreciate you, thank you !
The household hack is a great one. I mean a great one.
This!
Good information. I appreciate it!
It’s true being a veteran they are better than a lot of financial institutions!
Awesome Video, I just open up my Navy Federal account today.
Nice congrats !
Such GREAT info!! Thank you!
Great video! I wish I could join this credit union but no one in my household is a member or served. Is there any way around this?
This was a great vid. That being said, am I tripping or was some parts of it played more than once?
lol I do say some things kind of the same but with different info
I am a honorably, discharged navy vet, and I recently met a guy that had a navy federal card, and he was never in the military. He got his card based on the fact that his father was in the military. I applied and I was turned down. I am a Navy vet and even I was turned down. Navy federal is a scam.
Me trying to go to sleep for 2 hours but can't because I'm hooked binge watching your videos😂
Lol good! Glad you’re enjoying them
I just wish they had the same points transfer partners as Chase, Capital One,Amex
What great info!!! Great work. Keep going I see you getting 1 million followers.
They're Money Market Savings Accounts offer great dividends as well..
Good info. Especially the internal banking score
💪🏾🚀🚀
I was just thinking how do you find out your internal score and you answered it! Lol. Thank you so much for this valuable information. I am working towards getting a strong foundation with them for personal and business side of things.
My father was in the navy during the Korean war.... do I qualify for membership?
yes you do!
Yes. My grandfather was WWII and I qualified.
Thank you... I'm with them now
Nice !
Quick story. I wanted to pay off my cc so i figured i gave myself a loan from my savings. Turns out they charged me to use my money + they charged mo. Interest and they kept the interest to use my Money. It's the best bank to keep you in debt. I asked my cc max Limit to be 10 k. They don't care to help. I'm at 24 still. I don't use their card or loans anymore.
Thats how interest works…. And what do you mean they charged you to use your money? The money available to you on a credit card is not your money its their money they’re letting you have access to. They then charge you interest if you choose to use it. Do you not know how credit works is that why you’re upset?
Thank You so much...and I did subcribed.
Welcome ! Thanks and thanks for watching !
Nfcu has been Tripping lately
Wow that was amazing.
I’ve tried many times and no one has that internal score info. Can you do a video of exactly how you got that internal score?
THANK YOU, I LOVE IT! VERY INFORMATIVE.
Glad to help! Thank you !
@Just Money NO, THANK YOU. I'M A NAVY FEDERAL PERSON & I WANTED TO APPLY FOR A NAVY FEDERAL CREDIT CARD, DO YOU KNOW IF THEY DO A PRE APPROVAL TO SEE BEFORE YOU APPLY. THATS A HARD HIT & I'M THE EXCELLENT STATUS. SO HOW LONG DOES IT TAKE IF I APPLY BEFORE I RECIEVE MY CARD? IF YOU DON'T MIND!
@@ceecee811 they do have a
pre- qualification tool that you can use before applying and once approved it’ll take 7-10 Buisness days to arrive!
@@JustMoneyish THANK YOU SOOO MUCH FOR GETTING BACK IN SUCH A TIMELY MANNER! 🙂
I know several people that just call and said a wanna open a checking acct . No question ask about military members
Yea depends what person you get, some people tend to not do their job right
@@JustMoneyish my question is. What if you get in , no question ask . Would they ask any info regarding your acct and military. Like who do you know in navy federal . How you get in lol 😂
@@andresate6314 they can at anytime, but only mostly do so if your account is a bit suspicious or had suspicious activity
If you got NFCU I can load 5k$
Nothing needed you must be on phone call & after loading 50/50% no need of advance just trusted people needed
Great information. Well put together video. Thank you!
Thanks for sharing!
Hey bro
If I do apply for the business credit
Could I also buy personal stuff with the credit ??
Like groceries and stuff from Amazon ???
I'm only asking because I already have two business credit with bank of America and chase
I just opened a account with them. Thanks for the info
Welcome !
Great videos!
Thank you!!
What if you have bad credit?
Please help me out with this question. 2months ago I put $1000 on the nrewards secure card. I also have a business account. I wanted to increase my limit on my nrewards by adding another $1000. Am I making the wrong move? Should I add that $1000 to opening a business credit card instead? Would doing that offer better benefits?
Thanks for the info, I have a NFCU account.
Great vid bro, subscribed.
Thanks, appreciate that!
Thanks great information.
Welcome !
Good commentary.
Thank you !
You don’t have to live in the same household
I would love more info on mortgage services
It’s definitely coming soon! I just got licensed yesterday for mortgage loans!!!
@@JustMoneyish CONGRATULATIONS 🎊 👏 💐 🥳 🙌
@@vlbaker71 appreciate that so much !
Yrs they are better than usaa nightmare. Dotn forget the benefits of free amazon prime with the flagship
Thank you💯
Great info i have navy
Can u sign up for it I was told u can flat out sign up but someone have to refer u I'd this accurate??
My grandfather was in the Army, what proof do I need to show them and how do I get that information?
Is there more detail about migration?
@Just Money, for hack #3 you have to transfer a minimum of $10k to the other card or you have to have $10k on the card you're transferring from?
i have great credit limit and i would like to apply for the navy federal flagship card, i got pre approved for it but i want to get a high credit limit with them, would you know how?
They approved me for $4325 refinance car loan but deny me for Unsecured credit card with 675 trans union
Great spill bro. Banking w/ Navy Federal LB
Yessir, thank you !
Hi one UA-camr saying all these hacks are going to be shut down soon NFCU is getting strict about membership? no more back door shit! what are you saying is this current information or not? Thanks anyway
Definitely current information
These are not hacks. It's on the NavyFed website. You can also just be related to someone in the military or a military contractor,even if they are just a civilian
@@SledgeIncTeam has to be immediate family member of someone in the military or an immediate family member that is already banking with them to get in or as mentioned living at the same address as someone who already banks with them. Otherwise you will not be granted in
@@JustMoneyish yep, that's what I put in my comment to your video. I was in the National Guard but my cousin got in because my Grandfather was in the Army and my kids got in thru me 🫡
No cussing
If I graduated from secured to unsecured rewards credit card, do I still wait to apply for a second credit card on the 91/3 rule or do I ask for credit limit increase from the granted $2000 from the $250?
What is the, 91/3 rule. I just joined
@@marilynsamuels4072 so with navy Fed they want you to wait either 91days or wait for 3 bank statements to come through notification before applying for a new credit card or credit limit increase
LUVE NAVY Fed!👍🏽
I joined NFCU to get a motorcycle loan. I had very recently gotten my first credit card, so I had little to no credit, but I thought they would still approve me of the loan because I didn't have BAD credit and also had no delinquencies. Long story short, I got denied, tried to appeal it, and it looks like I'll be denied again bc of the reasoning behind the initial denial. Apparently bc I'm a new member I can't get approved for a loan. That's pretty bogus in my opinion. Any thoughts or reccomendations on what to do with NFCU or somewhere else to get a motorcycle loan. $9,000 with a $2000 down payment is what I'm trying to get
They denied me too even after being a member for years and having a new higher paying job ata big4 accounting firm and a 753 credit score
@@jahmaiholland6420 so messed up. I decided to wait a year of building credit and getting the next model that comes out. Still pissed tho
Stick with them! I went through the same thing and trust me it paid off! Just be patient
The acct has to be 60-90 days old before u can start applying for laons
Must be some issue. My son had been in the Navy for about 6 months and they approved him for his first car loan...and a credit card. He didn't have any credit, but I had previously added him to one of my cards with a good limit and payment history. I think that helped.
Thank you
Welcome !
Are you former military? If so do you know any other military benefits from other banks?
He E. Sanderford. Im with NFCU TOO. My question is, can one over due ( from 2 yrs ago, I'm not paying. T-MOBILE for a defective phone) amount hit my credit score for 65 points. I've had an over 800 score for some time. T-MOBILE gave me a replacement phone, and the screen went black, they decided I didn't know my password and tried too many times, ALL LIES. Waisted three months stringing me along. Please get back to me. PS. I just subscribed to your channel.
What's a pledge loan?
Pledge Loan is where you for example, have a savings account at the credit union with $3500 in it. You could use that as collateral to obtain a ‘secured’ loan with the credit union. It helps rebuild credit. Hope that helps
Good to know, thanks
Good info. I just subscribed.
Thanks man!
How do you find your internal credit score from experion
I only have a debit card with them.....what can I do?
do u think it wise to deal with navy credit union after you file bankruptcy with them.
Don’t include them in the BK they won’t ever loan to you agsin
My government job "First City" credit Union have better rates than NF