NFCU 2021 Massive Credit Hacks List (Updated!)
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- Опубликовано: 12 сен 2024
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We have taken all the most recent data on Navy Federal Credit Union and put that into this video. As of Sept 2021 this is the most up-to-date information all in one place for you. Keep in mind things change often with banks so please double check the channel to see if we have any new updates on top of this but start here.
We took down the site page due to a trademark infringement notice from NFCU (they hold a trademark on their logo art, which we have never used on our website)
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#NFCU #navyfederal #creditcard
The hack is true, I been with nfcu for 8 months, checking and savings, 200$ rewards card, went from 596 to 704, paying on time, got approved for 12k at 13% go rewards card, i tried at 11pm
Hell yes, congrats! Will pin this one for now
good shh! few questions, when you applied for the rewards card, you where at 596, how long did you have the account open "before" applying for the card? 2. Did you have any other products established with Navy Federal, example did you have a "Pledge Loan" or a "Secured Card" before applying for this $200 - Cash Rewards Card? thanks!
Thats what im trying to do can u explain how you did this please thanks
@@WalletMonkeys Pound the pussy of that pin, bro. Subs want to see their comments rewarded. Hand that shit out like candy
Best credit card ever. 32000 credit limit. Working my way to 50000. Never in a thousand years I could have imagined having a credit card with that high of a limit.
I been with these guys for 32 years and they have been nothing but amazing.
i have been with NFCU since 1980 while i was assigned to HQMC in VA. Paid off 2 mortgages with NFCU and no issues!
Great to hear these testimonials, I’ve been down for only 4 years.
I just got 30k on the Flagship card in August with a 9.99% rate! Did it on a Sunday at 615am! I’ve been a member for 8 years, I made a RUclips video on it!! My debt to income ration ranges from 9-15%
That is amazing, congratulations!
I will continue to hail the great *credit master fix* for fixing my credit.
Interesting data point I just found out. You can have 3 flagship cards which technically would be $240k of credit, this is coming directly from NFCU, you can even call them to confirm, but its unclear on if they would stop you at $180k with the 3 cards or if you would get the full amounts.
I have 2 with 80k limits never tried to ask for another one though.
@@Y1000HP I will continue to hail the great *credit master fix* for fixing my credit.
Wallet Monkey Navy Fed uses EWS!! They do not use chexsystems.
Thank you for sharing the latest and greatest info about Navy FCU. We’ve had great success with applying for Navy Flagship and rewards cards.
Thats huge! Congrats!
I have a 80k flagship card 2 of them actually lol. Also both with 0% usage.
I will continue to hail the great *credit master fix* for fixing my credit.
I was just approved via roomate. You need to send in a main utility bill (electric, gas, water, garbage). As a roomate your name needs to be on the bill of your ID doesn't have the same address as your roomate.
👆Need help improving your credit score ? make a note 📝 asap ☝️
One of the best videos on the subject! Nice and concise too.
👆Need help improving your credit score ? make a note 📝 asap ☝️
Thank you brotha I appreciate the knowledge you gave and way you explained it 🙌🏾
I will continue to hail the great *credit master fix* for fixing my credit.
Great quick and simple video. Question, do you know if Navy Fed has that same internal score on the business side also?
Great question, only have had 2 cards get approved on biz side and never noticed it so I am not sure.
I will continue to hail the great *credit master fix* for fixing my credit.
still not sure if the NFCU late night hack works, computers don't sleep and most of the time it is the computer that decides your credit approval. thanks for the video
Exactly.
Telling info about NFCU Bank internal Score is everything!!! Thank you sir!
I will continue to hail the great *credit master fix* for fixing my credit.
Hello. Does requesting a credit limit increase using the 91/3 rule result in a hard inquiry?
No
I am a new subscriber from watching this video break down on my credit union NF thanks for your content good job.
👆Need help improving your credit score ? make a note 📝 asap ☝️
Hello can I get to have some words with you
The Day time Hack works as well, if your credit profile meets their standards for the product that you're applying for
Yep agreed!
Now if you could find a way for a non member to get into NFCU with out using the options they have. Now that would be a hack.
It would be a serious hack and one we probably would not be putting in videos :)
Hello, I have been through this stress several time not until i was able to meet an expart who put me through a training and noow a professional in credit analyst and boost of credit score so therefore having a good credit that can help in business, home, loan and mortgage application
Navy Federal is forsure one of the best CUs to be apart of . But for people that don’t have anyone in the military that can get them in there are other CUs just as good and NF. And you don’t have to be in the military to join .
Great information!
👆Need help improving your credit score ? make a note 📝 asap ☝️
I will continue to hail the great *credit master fix* for fixing my credit.
Great video....right to the point!! Thank you
👆Need help improving your credit score ? make a note 📝 asap ☝️
Navy Fed has stopped most of these hacks. Please update this.
You can also direct message them for your internal score and they will message it back to you.
The late-night hack is not true and it has never been true. The same computer system processes your application 24 hours a day all day all night. The only time a human looks at your application is if there's an issue with it that the computer program can't figure out. You're just as likely to get approved at 11 a.m. or 11 p.m. at night. Seriously it's not like they shut off the daytime computers and turn on the nighttime computers because the daytime computers are scared of the dark. It's the same system across the board. This info has been verified by plenty of navy federal employees. They are the largest Credit Union in the US they're not going to let some backdoor nighttime hack run amok.
If you were going to get approved, the time of day doesn't matter I agree, I think the whole argument was that you would get better terms/limits during this time frame. We have been surveying quite a bit since we even talked about this trying to figure out if this is placebo or real and I am no closer to having any definitive answer on that.
@@WalletMonkeys well I found out this from a guy that used to belong to our Navy Federal group on Facebook that actually works in the finance department of back-office whatever you call it. Funny story Navy seen that he was in the group and they told him it's in his best interest if he leaves the Facebook group
Hahahaha ya I bet they did! Ok good info!
@@WalletMonkeys so you know if they're watching Facebook groups they're watching all these RUclips videos also
@@sinned96 🤣🤣🤦🏾♂️
Does the 91/3 rule apply to authorized user cards?
Great information…..Definitely tuning in for more videos!!!!
👆Need help improving your credit score ? make a note 📝 asap ☝️
I will continue to hail the great *credit master fix* for fixing my credit.
Does anyone know if the CLI max is still at $4k?
It is not, hasn't been like that for months, hearing CLIs of $8k again. Good luck out there!
@@WalletMonkeys Sweet! Thanks for the quick reply. I'll be at 91/3 tomorrow, so I'll be sure to request the $8k CLI.
ok let us know how you do!
Straight forward.. great info and appreciated. Knowledgeable. I’m a new mbr . You talk fast tho lol I have to listen again lol
Thanks man for all your insight and I have a quick question. I have 2 cards now ($19k and $28k) and due for a 3rd one soon. So am I applying for the 3rd card off of the 3 billing statements of the 1st card or the 2nd card (lol)
Great question, its always being taken off the last action/newest card for something like that
That's what l thought, so l can wait a little longer...thanks!
Awesome, good luck Don, let us know what you get!
I have NFCU. They're rude and sound incompetent. I got denied multiple times, and mum got denied and she had an 800 score. They do jack for vets. Also they're terrible at managing your money and put it in the wrong account, and do NOT offer fraud protection.
This is probably 1 of 2 stories I have heard like this, my experiences personally have been amazing- I feel like there is more to this story
@@WalletMonkeys What more would there be to the story of putting money in someone else's account by accident? I'm not married, so clearly you can't be that naive. Tellers mess this up all the time. The NFCU in San Diego have some pretty bad reviews. I am not the only one lol
Agh San Fran, that says it all! Thanks for sharing that, I think most major banks have the worst reviews in SF, LA and NYC not sure if that is just big city effect or it pulls in lower quality of staff for some other reason.
It's "San Diego" NOT San Fran...
this guy sure has the gift of gab..
Not sure if thats a good thing or bad thing but when I get going, boy watch out
What is a good credit monitoring company where I can check all three scores.
Great question, annualcreditreport.com for free reports (not scores) for all the scores, there is not a great solution that I am aware of, Experian paid plan is your best option.
@@WalletMonkeys exactly
I will continue to hail the great *credit master fix* for fixing my credit.
FICO or Experian
FICO being #1.
Don't stop doing what you're doing!!! 💙 You're gonna definitely blow up on RUclips soon 💥. Clean, honest In-depth, & straight to the point. Is there anyway to contact you? I'd like to invest, network or something. Keep up the Amazing work 👍
Thanks for your support! Reach out at itsdumbmoney at protonmail dot com
@@WalletMonkeys you're welcome and thank you. You honestly have one of the best pages I've seen on direct questions and info. You honestly save ppl time from calling, looking up & surfing videos all day in one place.
I want to invest as well
Please confirm , after watching your video I didn’t know that I can apply for a second flagship credit card , it’s been one year since I got my first card and it was the flagship “ so you’re saying I can apply for second flagship card and have two of the same product?
Great question, I remember in 2019 you could yes. I would double check just call them and straight ask if you can apply for another flagship, dont' let them do that on the phone though, I would do it online personally.
Can confirm you can get up to 3 flagship cards
I tried twice without getting nothing, can you send me some link or invitation please?
@@anitasimon600 Tried twice for what exactly Anita? To get into NFCU or to get a 2nd Flagship?
I will continue to hail the great *credit master fix* for fixing my credit.
If I have a coworker who was in the military, do you think that could work potentially?
Good question, I would say no it wont' unless you are living under same roof and you are contributing significantly to the household.
I will continue to hail the great *credit master fix* for fixing my credit.
NICE!.......
Your score has to be at least 630 ?and you can’t have any derogatory credit on your report I’ve tried to get one they told me I can get a secured card because my score wasn’t that high and I had other things on my report people have to understand that correct?
Can you help me through? Same scenario as Martin
Not true in my case. I had two collections (unpaid) and a few chargeoffs and I got approved for the cash rewards card. My Transunion was 637 though.
@@Laurisaurus I don’t get it though they told me the only card I could get was the secured card and I just checked my score on their app and now my score is 636 so I’m going to call them tomorrow and see if I pre qualify for the unsecured card
@@mrmartin7131 when I applied it didn’t show up in prequalify for me either I just applied bc I didn’t want a secured card.
@@mrmartin7131 I didn’t care too much about the inquiry so that’s why I did it like that.
Thanks much
Thanks for watching!
I will continue to hail the great *credit master fix* for fixing my credit.
Well you have certainly alerted them now 😩
Honestly a video with 600 views is nothing, there have been videos made on this for the last 10 months that got hundreds of thousands of views.
Love tbis
I will continue to hail the great *credit master fix* for fixing my credit.
Damn it says I pre qualify for all the cards I submitted my application but was denied I think I gotta wait my cash rewards card is still new
Have to be careful when you have just been approved for a card and the prequals or algos haven't updated yet, it may give you false indicator. Give it 1 statement period on prequals like that before trying again.
I just got a new CC and I didn’t find that score
I got it on the back of my last approval letter, not sure if its ever excluded. I would look for it on the next letter you get when its time for CLI or 2nd cards
Hello, I have been through this stress several time not until i was able to meet an expart who put me through a training and noow a professional in credit analyst and boost of credit score so therefore having a good credit that can help in business, home, loan and mortgage application
I will continue to hail the great *credit master fix* for fixing my credit.
Dude that late night hack hasn't worked in a year......you got bad info
Dude there was never a hack 🤦♂️
Works for me every time just did it in June for 25k and 15k for my husband
Did it earlier this week and it worked
@@ctrimmings9357 on the app or did u call in. ?
Why would anyone need 25k in credit? If they don't have a business?
Quality of life....?
@@WalletMonkeys Quality of life... You see, the way I see it - you're spending money now that you feel like you will have next month. This is fine.. except you're ACTUALLY spending money now that you plan to make over the next 7-8 months. But you won't. You'll just end up bankrupt and hurting Navy Feds reputation which hurts the other Vets.
My Internal Score 332! -BONG!
Thats a great internal score!
@Lux Investment Firm When you apply for a product, they MAIL you an approval/denial. That response will show the "NFCU CREDIT SCORE"
I will continue to hail the great *credit master fix* for fixing my credit.
im wondering why all those people making these videos they can't keep anything to themself . i click on the site and they just telling like they can't keep butter milk on their stomachs
The hack didn't work for me
Thanks for the intel, did you do recon?
🔥
I will continue to hail the great *credit master fix* for fixing my credit.
It's not as good as it SOUNDS !!!
👆Need help improving your credit score ? make a note 📝 asap ☝️
I will continue to hail the great *credit master fix* for fixing my credit.
What would cause my internal score to decrease? I had a 206 and then it went up to 286, then decreased to 202. I don’t know what I did to have this happen.
The factors we think they use is overall checking/savings account health (probably any other money accounts you have as well) and then DTI and credit card utilization/payment history etc. The weight or additional factors they take into consideration who knows. I wonder if they would have an answer for you if you called and asked them what is negatively affecting your internal score, see what they say.
@@WalletMonkeys yes, I’ll call to see if they can provide further help. Thank you!
@@tblub.9270 Let me know what they say
The internal score that they use is a one-time thing it's only calculated for that application. It's not a rolling credit score like your regular credit score doesn't go up and down every month. When you apply for something else they start off from scratch and recalculate your score. Things that affect your credit score or everything on your credit profile not just what you do with Navy Federal. They just like any other lender look over everything on your credit profile when making their decision Navy Federal just has an internal scoring system that they make known
A credit score has nothing to do with anything..lol. what a joke.
i wanna be in the discord
Link should be in the description of newer videos