25 Navy Federal Credit Union HACKS in 13 Minutes

Рет қаралды 58,150

Күн бұрын

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Пікірлер: 85

@sinned96 Жыл бұрын

I have been with navy for about 3 years now. I went a little bit different route. 3 days after I joined Navy Federal, I applied for More Rewards I got a $1,000 limit. That was my highest limit card at the time. 18 months later, following the 91/3 rule, I had three credit cards with them maxed out at the $80,000 credit limit. And after 9 increases. I got my first card with the $5 in my savings account I had to put in when I joined. About three months in, I did a 6-month pledge loan. When that was completed, I did a three-year pledge loan. The only money I have in my savings account is $10 to set up to auto pay the pledge loan. No CD's, no checking line of credit, no direct deposit. I don't use Navy Federal for a bank at all only for the credit products about a year-and-a-half ago I took out a $21,000 personal loan with collateral. My credit score has fluctuated between 700 and 750 during this time. Basically if you have a decent credit profile no relationship needed. If you have a rather thin credit profile the relationship will help you. So there's more ways than one to skin a cat. 😂

@rkwllc 3 ай бұрын

I'll speak for the 54 likes on the video and no comments. You all over the place with this and that's why no one commented. Congrats though

@sinned96 3 ай бұрын

@@rkwllc thanks for my point being is you don't need to do all that stuff in this video to get anywhere with them it's all dependent on your existing credit profile

@BarksandWiggles 11 күн бұрын

Thanks so much for this information.

@DEEP_DIMPLES Жыл бұрын

This was great! You covered everything… Navy Federal is really TOP TIER!

@calbarton Жыл бұрын

Thanks! NFCU is the best out.

@MrMain1973 Жыл бұрын

I just applied for a Navy Fed credit card and I was surprisingly shocked that my starting limit was 11K and I plan on asking for a credit increase in December

@bluex202 3 ай бұрын

All I did was open a flagship account then put $1500 so that I wouldn’t have to pay the service charge. After that I did a $100 bi-weekly direct deposit and left it alone for 3 months. After the third month I applied for the flagship credit card and got approved for $20k. Following that process I should be at $80k in 6 more months if I get above for a $40k limit on one of my next 2 cards with them.

@sinned96 Жыл бұрын

Remember though the internal score is nothing more than how you scored on that credit card application. It isn't used anywhere else like mortgages car loans personal loans Etc only that credit card application. It's not how well you're doing with Navy Federal it's just how you scored on that application

@ItsMeCJ Жыл бұрын

Great video Cal, I really enjoyed the editing. I don’t know much about Navy Federal Credit Union, but I know that they’re good!

@rickygonzalez8737 Жыл бұрын

Best breakdown by far on NFCU. I have been utilizing this bank for a year and have been highly impressed by them.

@dyquanbowers7316 10 ай бұрын

The max limit across all accounts is $80k The max on each individual card is $50k except for the flagship rewards. The flagship rewards card's max is $80k I think he meant the max starting limits in the video. In that case, I believe he is correct. I haven't heard of any starter limits above $30k

@meeksde Күн бұрын

Make sure those increased credit limits don’t come with increased APRs.

@mspowell891 Жыл бұрын

Great video I can’t wait to do this with my son once he turns 18 💪🏽

@MrTru2it Жыл бұрын

Add him as an authorized card user to allow him to receive the benefit of your credit history. Some banking institutions will allow a child as young as 13.

@CarGurusofGwinnett 4 ай бұрын

Best break down on the internet I just joined got two cds and a 5k pledge loan let’s see what happens😊

@lorinal5544 7 ай бұрын

Thank you for sharing

@patrickd3207 Жыл бұрын

I asked NF for my internal score on the phone. They told me they cannot give it to me.

@sinned96 3 ай бұрын

Quit worrying about your internal score because it really doesn't matter. Your internal score is a one-time-only score only good for that particular credit card application. It's not used anywhere else like mortgages personal loans auto loans Etc. Here's what Navy Federal says about their internal score being only used on that particular credit card application. I'm sure if you send them a message you'll get the same answer Custom scores range from 100-450. Your score for your More Rewards American Express application was a 357. This score is only established when an application for a new credit card is submitted and it is only used to decision that request. If you have any further questions or concerns, please let us know.

@escobickham7693 15 күн бұрын

They mail it

@anthonywilliams9415 5 ай бұрын

Very good information

@jessejames3944 Жыл бұрын

One issue with your statement about the CC limits. I have both the Platinum and the Flagship cards with 33k limit on each one. 🤷🏼‍♂️

@tw4143 4 ай бұрын

Good stuff!

@Kiacherie Жыл бұрын

The limit for each card is more than 25k. I have the platinum 44k and more rewards 33k

@calbarton Жыл бұрын

Yes this needs to be updated.

@williamfrederickiii1683 Жыл бұрын

Agree, I have a $33k limit on my Flagship Visa. Maybe $25k is the initially approved limit?

@geoffreysegarra3684 Жыл бұрын

Gracias excellent info!

@calbarton Жыл бұрын

You're welcome

@sinned96 Жыл бұрын

Send NavyFederal a message about the internal score and you'll probably get an answer back something like this Custom scores range from 100-450. Your score for your More Rewards American Express application was a 357. This score is only established when an application for a new credit card is submitted and it is only used to decision that request. If you have any further questions or concerns, please let us know.

@axelrivas9158 10 ай бұрын

can you offer more information about this ? ive talked with them and i havent got it . the guy says you can get it through the app? cant find it either

@sinned96 10 ай бұрын

@axelrivas9158 You cannot get it through the app. The score shown on the app is either your Vantage score which is shown on the credit dashboard or the Equifax FICO 9 score which is used on credit limit increases. That is so not under the credit card section where it says show more info view FICO score

@sinned96 10 ай бұрын

@axelrivas9158 now as far as your internal score don't worry about it. It means nothing except how you scored on that credit card application. It's not used anywhere else. It's not how well you're doing with Navy Federal it's just your score on that application. So other than knowing how you scored it is a pretty useless score. It does not go up and down every month like your regular credit score and once you get three credit cards you'll never get an internal score again

@sinned96 10 күн бұрын

@axelrivas9158 I asked and received it on all three of my credit cards when I asked them it just takes the right rep to pull it up and get it to you. But like I said it literally means nothing except how you scored on that credit card application.

@flowerboybri Жыл бұрын

thanks i appreciate the advice!

@calbarton Жыл бұрын

You bet!

@sinned96 3 ай бұрын

@@calbartonhave you realized that the internal score means nothing because it's only used on credit card applications and that's it

@Kimistry333 Жыл бұрын

Spot on ❤

@traceylockhart8033 10 ай бұрын

I love a Blueprint!

@Mr51Caveman 4 ай бұрын

I think you said the highest limit on the NFCU cards is 25K. I have a Cash Reward card with a 33K limit and also the Flagship with the highest limit. But I hear that my Flagship can go higher but I'm not sure. NFCU is great though.

@sinned96 3 ай бұрын

The max limit on all unsecured credit cards is 50K. Except for the flagship it's 80k but you can only have a combined total of 80 k between all your credit cards I have two 20,000 cards add a $40,000 card with Navy Federal

@reezoe164 Жыл бұрын

12:50 this is incorrect. Your flagship card can have a way higher limit.

@sinned96 Жыл бұрын

You do not have to pay 90% of the Pledge loan off to get your money back. Whatever amount you put up for the pledge loan you get back right away. Here's how the pledge loan works. You put $250 in your savings account Navy Federal put a hold on $250 then loans you $250 so you get your money back right away. Then each time you make a payment for instance $25 they'll knock $25 off that hold and couple of days later you'll see that $25 back in your account

@rckbttm1410 12 күн бұрын

I changed credit information they gave the crooks my new credit information WTF

@allenbarrow4904 10 ай бұрын

If you want to have better credit...finished paying off the debts made over the years. Next find a local credit union and take your money out of major banks and national credit union before these institutions goes bankrupt and take an extended bank holiday! You stress levels and sanity, family will thank you for it and buy only what you need or nesscesary if you want to live better.

@bowlerfamily 11 ай бұрын

Need to watch this again on slow motion. How do i find my internal score?

@derrickmc.798 9 ай бұрын

Wish that information was given

@sinned96 3 ай бұрын

Apply for a credit card. That's the only way you'll get it because it's only used on credit card applications. It really means nothing other than how you scored on that particular credit card application. Your internal score is a one-time-only score only good for that particular credit card application. It's not used anywhere else like mortgages personal loans auto loans Etc. Here's what Navy Federal says about their internal score being only used on that particular credit card application. I'm sure if you send them a message you'll get the same answer Custom scores range from 100-450. Your score for your More Rewards American Express application was a 357. This score is only established when an application for a new credit card is submitted and it is only used to decision that request. If you have any further questions or concerns, please let us know.

@highyella1426 Жыл бұрын

@calbarton i thought NF pulled from TransUnion???

@jaimegranero9027 Ай бұрын

I just saw in reddit a person that was approved for the more cash rewards a cl of 30k, just a couple of days ago As today july 8th of 2024

@jaimegranero9027 Ай бұрын

Thanks for the awesome information

@Nuverselive 11 ай бұрын

I need guidance. Can someone here help me figure out how to navigate this content ?

@songsbyvoneeofficial2353 Ай бұрын

So is there a certain amount of money you need to have in your account before applying for a credit card? Is there a certain credit score needed before applying?

@shawnallen8832 3 ай бұрын

If you have bankruptcy can you still apply and get high credit limit. I have pledge loan, flagship checking , direct deposit, and savings cd, and secured credit card

@TheShaelane Жыл бұрын

I called to get my internal credit score and the rep said they do not provide it. How do I get that score?

@Gardocki74 Жыл бұрын

only way I know is to apply for one of their cards/loans that involves a credit score. They then send you the reason for approval/denial and the score is on the back of the paper.

@TheShaelane Жыл бұрын

Thank you

@sinned96 3 ай бұрын

@Gardocki74 actually the only way to get it is to apply for a credit card. It's not used on loans. It really means nothing except how you scored on that particular credit card application. Your internal score is a one-time-only score only good for that particular credit card application. It's not used anywhere else like mortgages personal loans auto loans Etc. Here's what Navy Federal says about their internal score being only used on that particular credit card application. I'm sure if you send them a message you'll get the same answer Custom scores range from 100-450. Your score for your More Rewards American Express application was a 357. This score is only established when an application for a new credit card is submitted and it is only used to decision that request. If you have any further questions or concerns, please let us know.

@moneymess7923 7 ай бұрын

Do they run a credit check for the pledge loan ?

@calbarton 7 ай бұрын

@raglarod Жыл бұрын

I got 25k on cash rewards with NF. Have 4 products

@Bx_Bizer_Lo 8 ай бұрын

I’m Almost at my TrifectA… $21k & 25k 🌟🎉🎉

@jaxripper251 2 ай бұрын

I have a friend that has 78k limit on flagship so 30k is not the limit my guy

@ImStillStealingSteel Жыл бұрын

❤❤❤ Ah, Navy Fed, I love u ❤😂❤

@TopGunTonio 2 ай бұрын

Where do you go to find your internal score on the app?

@sinned96 10 күн бұрын

You cant. It's not a big deal anyways because it's only used on credit card applications that's it it's not how well you're doing with Navy Federal they don't use it on auto loans mortgages or personal loans only credit cards

@evertonmorettiej Жыл бұрын

👏🏻👍

@Bornindafire Жыл бұрын

I recently got a email invite for the platinum card.. i notice the invite has a code. Im wondering if I should use the code or apply without it for a higher limit. I been a member for 2 yrs

@AprileCobo Жыл бұрын

What did you end up doing?

@Bornindafire Жыл бұрын

@@AprileCobo i applied on july 28th for the platinum card using the code... i was giving 25k .. i then applied for a personal loan of $5500 ... the intrest rate on the loan was a lil high tho

@envypex7524 6 ай бұрын

@@Bornindafirehow much was ur interest rate ?

@Sandiego2019 8 ай бұрын

You keep shooting at Capital One in your videos, huh? 😂 . I don’t mind because they are some tightwads in my opinion. Just find the slight jabs funny

@pig0607 4 ай бұрын

You gave to much information for 1 person to obtain at one time. you should have picked one subject and went into detail. do better

@sfl-new-homes 2 ай бұрын

This was exactly the sort of video I was looking for. Other videos take 90-120 mins to explain the same thing.

@curtisramsey2219 Жыл бұрын

like your video but slow down to fast talking

@CharlesINTEL 11 ай бұрын

Can reduce playback speed. On many KZfaq videos, I go 1.25x to 1.5x faster.

@roburb73 Жыл бұрын

Hack one - join the military! No other hack needed. 🤣. I'm a member, but don't use it at all! I alwsys laugh on what steps people will take to become a member.

@nokiaicon Жыл бұрын

So!

@roburb73 Жыл бұрын

@@nokiaicon 🤣🤣🤣. Such a succinct response!

@nokiaicon Жыл бұрын

@@roburb73 it hit its intended audience

@Heart2HeartBooks Жыл бұрын

Hack two. after joining the military spend a year in training just to learn all 2.687 pronouns and how not to offend your mates by mentioning your "Mother " or "Father" Instead saying "Caretaker"

@TheeHuntress 9 ай бұрын

Joining the military is not necessary to become a member. My husband is now a member, and has never been in. As a veteran, I am his sponsor. My sons will also be joining. They are non-veterans in their 20s.

@jaxripper251 2 ай бұрын

Well tell me this I've been with NF for 30 years. Why I always get declined for increasing my limits I paid off 10 car loans 20 personal loans

@Hand_me_a_handle 2 ай бұрын

Maybe you are carrying a balance?