NEW NAVY FED MEMBERS WATCH THIS VIDEO FIRST‼️10 TIPS
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- Опубликовано: 28 сен 2024
- I have my Top Tips for new members of Navy Federal Credit Union or even if you’ve been a member for years but haven’t used your account yet. This video is for you. navyfederal.org
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I been a Happy Navy Federal Member x 4 years I had a Bankruptcy and started off with their secured card with $300.00 opened a savings at the same time, it took about 1 year to graduate to unsecured cards Master Card 10,000, American Express $20,000. Today I have 11 credit cards all with zero balance I pay my cards off every month. It took time but I learned a lot in the Process Navy Federal is the best I ever had as far as banking. I am a work in progress Credit Score High 700’s today!
Can you help me get a navy federal account
Congratulations 🎈
How can I get the information on your progress?
Please reply
Starr you are the best! Thank you for all that you do for us.
You are so welcome! 🤗
Great info you shoot straight from the hip. Love this❤
Thank you 😊
Starr , back in July '23, your channel was the first l came accross that talked about Navy Fed . I am a veteran and never banked with them, just USAA. Started gardening with Navy Fed in mid-July . Flagship Checking , Savings, Direct Deposit, EasyStart CD, Special EasyStart CD, Save First Account, TU=mid 700s, 2 Inquiries. Pre-qualified for all the cards but wanted a good balance transfer card for now. Applied for the Platinum card 2 days ago, about 2 weeks left before my 3 month membership mark. Approved with a 25,000 limit!!!. I will continue gardening and wait for next year to go for the Flagship Card. I want to refinance my auto-loan with them first. So far I am really happy with Navy Federal. Thank you for all your advice.!!
That’s awesome! Keep gardening so you will get everything you need next year 😊
You are AMAZING! You explain everything so well. You are So easy to follow and understand ❤. I literaly just opened the N rewards one hour ago with the $200 minimum. But in this video you said we should open it with $500. Should I go back and add $300 or does it not make any huge difference? Is that something that I can even do? Thank you.
Hi! Thank you for the awesome feedback. Since you already opened it with $200, I don’t think you can add an additional $300, but I could be wrong. But if you can’t add to it, all rules still apply, make sure you never carry a balance on this card because with that low spend, it will ruin your credit utilization and make your score go down some more. Use it but pay it back off. Keep no more on it than maybe $5 if you do have a balance for it to report to the bureaus, but that’s it.
You can Add the extra 300 by putting it in your savings and calling navy Federal requesting a credit increase from your savings to your Nsecured card
@@starrcarterfinanceOkay. Thank you so much for your response. I appreciate it and I will make sure to follow your guidelines. Thanks again!
@@RICKYCASH74Okay. Thank you. I appreciate it. I will check into it.
good video!
Thank You 😊
Starr thank you so much for the informative videos. I have an Amex reward CC and want to request a credit increase however I want to apply for another credit card as well. Do you recommend applying for a credit increase and a new credit card at the same time?
Yes I would do it together preferably over the phone so it won’t be but one credit check 😊
@@starrcarterfinance Thank you so much! I’m new to all this so your video is very helpful!
We don't have any traditional direct deposit options that I'm aware of. I am semi-retired and my wife works for a very small employer that does not have any direct deposit option. Yet we keep hearing about how important this is, not just for establishing a relationship but for getting better terms on some Navy Fed products. We have no paycheck we can direct deposit, no Social Security or no company pension (both likely coming in 2030).
I assume recurring ACH transactions don’t work? I am pulling monthly IRA distributions, but from what I’ve seen that doesn’t work either. Am I just out of luck here?
I think as long as there is income that is coming into the account on a regular basis, I didn't think it matters if it is from a "Job or traditional route". All direct deposits come by an ACH Transfer from the payee bank to yours, so I wouldn't be too concerned about that. ☺️
@@starrcarterfinance Thanks. I'm going to give it a try. We can certainly change where some of our money goes by a few hundred a month. I'm interested to see if that works.
I have a question if you connect Navy Federal to one’s main account like Chase, would that count as a relationship . Just curious.
I added Navy Federal to my chase bank account for transfer money into Navy Federal.,
Adding money to the account in savings and checking is part of relationship building, but using their services is actually relationship building. If you follow the tips in this video you will be establishing a true relationship with them.
Hello ....luv your content... just applied for a personal loan to consolidate credit cards and was informed that I can apply for a debt consolidation loan, which is a separate loan application. Can you share some data points for this type of application?
Hi! Thank you for watching! I don’t have any loan experience with Navy on a debt consolidation. But I worked in banking for 15 years and, I would think it would be like a personal loan application but in addition you providing info for the bills you want them to pay off. Most credit unions that do these loans will pay the different lenders directly to make sure the money goes to those debts. So have those account numbers and amounts ready just in case they ask.
Hey Starr I have had the N's rewards card for over a year and it has not graduated and I have been pre-qualified for all the cards should I pull the trigger on the cash rewards card first.
What is the secured limit amount and the current balance on that card?
200.00 no balance. Pull the trigger and got the Go rewards card 10,800.00
Can't get a line of credit with them 😒
Not that I’m aware of but always check their website to be sure.
200.00 with 0 balance I pay it off every month
Woww, that is weird that they haven't graduated the card with that positive card behavior. I would say instead of applying for a new card, look into why this one has graduated with their member service, and if it can graduate, see if they can product change to the Cash Rewards Card. Then hopefully this way will prevent having to do a hard pull for a new card that you may or may not get approved for.
No worries, same thing happened to me! I got a representative on the phone and she told me to leave something on the card like 10.00 or something and pay it off after it reports to the credit bureau! I did it and my n rewards credit card unsecured! I thought this may help!
Very good video. I just started with Navy Fed, trying to rebuild my credit. Your video is very informative.
I’m a new member and this was so informative to me. Thank you so much for sharing.
Glad it was helpful!☺️
Great video, thanks for sharing this information.
Thank you for watching ☺️
Thanks for this. I like Navy Federal. I haven't had any problems, learning from you my account is a baby 3 years old. Just needing a little more guidance
That was a great break down Sis, I’m headed in the write direction. 🤟🏾
I don't have anyone affiliated with this credit union. And I was told I needed someone in the military. I don't have either. How can I open an account there?
www.navyfederal.org/membership/eligibility.html
Your video is right on time. Just started to use those accounts
I got the NRewards in May with $250, exactly 3 months later they increased it to $650, in November it will be 6 months we’ll see if it graduates and I never carry a balance, I have 9 products with them, its a good CU
I opened a Nrewards in Oct 2023 for $500. I never did get an increase on the nRewards, but I graduated May 2024, and was increased to $2,000. They also deposited my $500 back into my savings account. I’m not going to request an increase until Jan 2025. I’m excited!!
As they said my NRewards graduated in exactly 6 months in November with $2000 balance and I just requested a increase in May and it was approved
Thank you Starr🌹 great advice🙏🏼🖤❤️💕👏🏽
You’re welcome ☺️
I noticed that when I pay extra money extra money on my card. The interest amount increases the same time. Why is that?. How can I pay the balance down when the interest matches the extra I pay for that month. If I don't pay extra the interest goes back down. Why is that?
Was the money you spent on the card from buying items/services or have you done a cash advance? ( cash advances with Navy Fed are as easy as transferring money from your card to your account) This makes a difference in how the interest is applied.
I had 9 inquiries applied for one credit card got approved 28 days later Applied for two more credit cards got approved.
Which cards did you get?
I just joined but my problem is I want to get a loan to pay down my high interest credit card debt, however, how can I get a loan to do so if my credit card debt is so high? 🤦
Before you joined Navy Fed, was you banking with another credit union or bank that you have an already established relationship with? If so, I would talk to them about doing a consolidation loan. Always start with your current bank or credit union especially if you have years invested in being a customer. Navy Fed will be much stricter with lending because of the recent scams and people not paying back, and joining through back door methods.
Is it true you only allowed to have 3 credit cards with NFCU
Can’t say for sure, because I’ve only applied for 1 card, but that is what most people say.
Aaaaaahhhhh, I applied for credit after 3 days of membership and was approved for 20K!
Grats on your cc! Any data points you’d like to share
Nothing other than when you're going in with a FICO of 750+, you're viewed as "seasoned " and will qualify for premium products immediately and do not have to establish a relationship. Your relationship will other financial institutions has solidified your credit worthiness and as stated earlier, my membership was just 3 days old, and I applied with confidence. 58K.
@haroldfee1550 I applied within first 30 days for the flagship card with over a 750 too. I’m curious to know what APR they gave you on the card with only 3 days of membership.
@starrcarterfinance It was elevated. I'm not sure but I'm thinking 🤔 15.5 but that's insignificant because I pay the balance in full regardless of the amount.
I still need to have my chase receive some of my dd. Do you think it’s fine if I do 50:50?
Yes, as long as they see direct deposit that is great 😊
Hi that flagship ck account fees is being waived until January 2024 are you aware?
No I wasn’t, thank you for sharing ☺️
Amazing as usual..Please keep giving us the Good Truth...❤❤❤
Thank you for watching ☺️
Good morning, I have a question for you. If I already have a goal rewards credit card and want to do a product change do I have to pay off the whole balance on full from the old credit card or can I have a small balance and still ask for a product change? I've been a member of Navy Federal for 29 years.
From my understanding, you can do a product change as long as your current account is in good standing and has a credit limit of $5000. You can do an echat with them or call to be sure. 😊
Ok thank you
Thanks for referring me to this video Queen!
Much Love ☺️
Great information and Advice.
Thanks for watching!
Great video Starr, thank you.
Thank You, My pleasure!😊
Great update thanks!
Thank you for watching 😊
Hey Starr, I just received $8000 credit card increase. Do I still have to wait 90 days before I can apply for one of the cards I’m currently pre approved for. Love your content 👍🏾
Was there a hard pull for the increase? And how many Transunion inquires do you have? Navy Fed is inquiry sensitive even if it’s with them. They don’t let you double dip and it will be another hard pull if you apply for a new credit card. So depending on how many inquiries you have on Trans if you should wait or not.
I’ve been with NFCB for two years and two weeks ago was my first request for an increase. I did it after midnight and they didn’t do a hard pull. My trans fico 8 is 740 my fico 9 is 815 no inquiries on any of the three C.Bs@@starrcarterfinance